Home Insurance in Filer, Idaho
The median home value in Filer is $247,500, 27% lower than the Twin Falls County median.
The typical home in Filer was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 8 points above Twin Falls County's 25%.
The housing stock in Filer is 83% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Filer, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Filer are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Filer, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Filer? FEMA's National Risk Index points to winter weather (Relatively High) in Twin Falls County and Twin Falls County had 78 active NFIP flood policies as of September 2026. See the full Twin Falls County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $247,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Twin Falls County | 78 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)