Home Insurance in Washington County, Idaho
With a median home value of $278,100, Washington County is 34% lower than the Idaho median.
The typical home in Washington County was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 17 points above Idaho's 17%.
The housing stock in Washington County is 80% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Washington County are owner-occupied.
46% of homes in Washington County 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.
Per FEMA's National Risk Index, Washington County's top hazards are wildfire (Relatively Moderate), earthquake (Very Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Washington County has 57 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $278,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)