Home Insurance in Twin Falls, Idaho
With a median home value of $321,300, Twin Falls is close to the Twin Falls County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Twin Falls was built around 1982. About 26% of homes were built before 1960, in line with Twin Falls County (25%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Twin Falls is 75% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Twin Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Twin Falls has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
66% of homes in Twin Falls are primarily heated with natural gas.
Twin Falls County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $321,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)