Home Insurance in Donnelly, Idaho
The median home value in Donnelly is $369,200, 44% lower than the Valley County median.
The typical home in Donnelly was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 3 points below Valley County's 10%.
In Donnelly, the housing stock is 67% single-family homes, 22% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
85% of owner-occupied homes in Donnelly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Donnelly has an owner-occupancy rate of 50% and a vacancy rate of 61%; unoccupied homes typically need a different coverage form.
Most homes in Donnelly - 58% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Valley County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Valley County had 20 active NFIP flood policies as of September 2026. See the full Valley County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $369,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Valley County | 20 |
| 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)