Home Insurance in Kimberly, Idaho
Homes in Kimberly carry a median value of $339,400 - close to the Twin Falls County median.
The typical home in Kimberly was built around 1988. About 16% of homes were built before 1960, about 10 points below Twin Falls County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kimberly is 73% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kimberly, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Kimberly are owner-occupied.
In Kimberly, 70% of homes are primarily heated with natural gas.
Twin Falls County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $339,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)