Idaho

Home insurance overview — 211 ZIP codes, 177 cities

Avg Premium (2025 Est.)

$1,556

+17.5% from 2022

Nonrenewal Rate

1.50%

5yr Storm Damage

$66.0M

Idaho Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Ketchum	1	$7,019	72	+17.3%	High
Irwin	1	$1,920	69	+18.4%	High
Swan Valley	2	$1,866	68	+13.5%	High
Donnelly	1	$2,298	67	+26.0%	High
Freedom	1	$2,478	67	+24.4%	High
Hailey	1	$2,944	67	+18.6%	High
Stanley	1	$3,464	66	+16.7%	High
Stites	1	$1,423	66	+19.2%	High
Ucon	1	$1,354	66	+18.3%	High
Kooskia	1	$1,490	66	+14.1%	High
Sun Valley	1	$6,475	66	+14.0%	High
Cascade	1	$1,812	66	+21.0%	High
Hope	1	$2,554	65	+14.7%	High
New Meadows	1	$1,929	64	+18.3%	High
Moyie Springs	1	$1,537	64	+16.7%	High
Tetonia	1	$2,398	64	+15.8%	High
Oldtown	1	$1,767	63	+18.8%	High
Pierce	1	$1,421	63	+19.7%	High
Dubois	1	$1,431	63	+20.8%	High
Culdesac	1	$1,526	62	+16.6%	High
Conkling Park	1	$2,147	61	+20.7%	High
Sweetwater	1	$1,512	61	+17.9%	High
Weippe	1	$1,442	60	+20.0%	Elevated
Harrison	1	$2,466	59	+17.2%	Elevated
Elk City	1	$1,346	59	+9.4%	Elevated
Coolin	2	$2,109	59	+16.0%	Elevated
Riggins	2	$1,384	58	+15.7%	Elevated
Gannett	1	$2,261	58	+15.6%	Elevated
Kamiah	1	$1,377	58	+15.3%	Elevated
Island Park	2	$1,851	57	+19.9%	Elevated
Malta	1	$1,728	57	+23.1%	Elevated
Craigmont	1	$1,375	56	+20.7%	Elevated
Grace	1	$1,616	56	+22.9%	Elevated
Bliss	1	$1,794	56	+24.6%	Elevated
Dover	2	$1,806	56	+12.1%	Elevated
Declo	1	$1,584	55	+21.2%	Elevated
McCall	1	$2,330	55	+22.9%	Elevated
Victor	1	$2,430	55	+21.0%	Elevated
Roberts	1	$1,469	54	+17.3%	Elevated
Richfield	1	$1,460	54	+16.0%	Elevated
Salmon	3	$1,825	54	+18.1%	Elevated
Garden Valley	1	$1,896	54	+20.6%	Elevated
Menan	1	$1,614	54	+21.1%	Elevated
Bancroft	1	$1,660	53	+22.5%	Elevated
Soda Springs	1	$1,531	53	+18.7%	Elevated
Driggs	1	$2,218	53	+20.6%	Elevated
McCammon	1	$1,611	53	+23.5%	Elevated
Ammon	1	$1,609	53	+22.0%	Elevated
St. Charles	2	$1,822	52	+18.5%	Elevated
Troy	1	$1,479	52	+17.1%	Elevated
Laclede	2	$1,797	52	+14.3%	Elevated
Warm River	1	$1,917	52	+16.8%	Elevated
Nezperce	1	$1,431	52	+18.1%	Elevated
Bonners Ferry	1	$1,524	52	+16.1%	Elevated
Horseshoe Bend	1	$1,636	52	+17.4%	Elevated
Peck	2	$1,366	51	+14.2%	Elevated
Fernwood	1	$1,235	51	+17.0%	Elevated
Sandpoint	2	$1,669	51	+16.9%	Elevated
White Bird	1	$1,394	51	+7.9%	Elevated
Elk River	1	$1,244	51	+15.6%	Elevated
Inkom	1	$1,848	51	+23.8%	Elevated
Georgetown	1	$1,494	51	+25.8%	Elevated
Lowman	1	$1,334	51	+17.8%	Elevated
Mullan	1	$1,227	50	+14.0%	Elevated
Winchester	1	$1,150	50	+8.0%	Elevated
Lava Hot Springs	1	$1,549	50	+20.8%	Elevated
Franklin	1	$1,548	50	+16.9%	Elevated
Priest River	1	$1,669	50	+13.0%	Elevated
Juliaetta	1	$1,463	49	+13.5%	Elevated
Council	1	$1,380	49	+15.2%	Elevated
Iona	1	$1,263	48	+20.1%	Elevated
Viola	1	$1,837	48	+17.3%	Elevated
Firth	1	$1,519	48	+18.1%	Elevated
Lost River	2	$1,505	48	+13.1%	Elevated
Idaho Falls	3	$1,434	48	+20.0%	Elevated
Teton	1	$1,440	47	+16.3%	Elevated
Arbon Valley	1	$1,413	47	+21.1%	Elevated
Idaho City	1	$1,437	47	+15.5%	Elevated
Kendrick	1	$1,495	47	+12.2%	Elevated
Deary	1	$1,424	47	+15.5%	Elevated
Athol	2	$1,505	47	+14.3%	Elevated
Rexburg	1	$1,545	47	+19.2%	Elevated
Carey	1	$1,358	47	+11.9%	Elevated
Cambridge	1	$1,425	47	+14.9%	Elevated
Orofino	1	$1,307	46	+14.3%	Elevated
Emmett	2	$1,472	46	+18.2%	Elevated
Dayton	2	$1,633	46	+21.1%	Elevated
Mud Lake	1	$1,519	46	+20.4%	Elevated
Potlatch	1	$1,365	46	+16.2%	Elevated
Kellogg	1	$1,261	46	+18.2%	Elevated
Ponderay	1	$1,191	45	+7.9%	Elevated
Clifton	1	$1,513	45	+18.4%	Elevated
Malad City	1	$1,582	45	+23.2%	Elevated
Murtaugh	1	$1,670	45	+23.5%	Elevated
Spirit Lake	1	$1,448	45	+17.2%	Elevated
Aberdeen	2	$1,411	44	+18.3%	Elevated
Grangeville	1	$1,188	44	+12.7%	Elevated
New Plymouth	1	$1,497	44	+18.6%	Elevated
Clark Fork	2	$1,536	44	+12.5%	Elevated
Pinehurst	1	$1,178	43	+19.1%	Elevated
Challis	1	$1,286	43	+11.8%	Elevated
Hagerman	1	$1,309	43	+18.3%	Elevated
Lewisville	1	$1,495	43	+19.2%	Elevated
Fairfield	1	$1,577	43	+15.6%	Elevated
Kootenai	1	$1,208	43	+19.1%	Elevated
Arimo	1	$1,353	43	+18.6%	Elevated
Garden City	1	$1,380	43	+21.2%	Elevated
Midvale	1	$1,577	42	+20.1%	Elevated
Wilder	1	$1,499	42	+19.5%	Elevated
Sugar City	1	$1,475	41	+19.3%	Elevated
Rigby	1	$1,555	41	+21.5%	Elevated
Pocatello	1	$1,274	41	+19.8%	Elevated
Eagle	1	$1,898	41	+21.3%	Elevated
Osburn	1	$1,157	40	+18.1%	Moderate
Oakley	1	$1,503	40	+24.1%	Moderate
Bennington	1	$1,213	40	+18.1%	Moderate
Plummer	1	$1,334	40	+15.6%	Moderate
St. Maries	1	$1,386	40	+15.6%	Moderate
Shelley	1	$1,528	39	+19.5%	Moderate
Arco	1	$1,332	39	+19.0%	Moderate
St. Anthony	1	$1,523	39	+18.7%	Moderate
Preston	1	$1,543	39	+19.5%	Moderate
Genesee	1	$1,346	39	+14.7%	Moderate
Newdale	1	$1,380	39	+8.0%	Moderate
Homedale	1	$1,344	38	+17.2%	Moderate
Cottonwood	1	$1,347	38	+13.9%	Moderate
Rupert	1	$1,266	38	+19.1%	Moderate
Paris	1	$1,380	38	+17.3%	Moderate
Bloomington	1	$1,462	37	+21.5%	Moderate
Robie Creek	1	$1,424	37	+21.0%	Moderate
Eden	1	$1,421	37	+24.5%	Moderate
Marsing	1	$1,417	37	+17.8%	Moderate
Princeton	1	$1,443	36	+16.1%	Moderate
Smelterville	3	$1,299	36	+15.3%	Moderate
Notus	1	$1,018	36	+11.8%	Moderate
Fort Hall	2	$1,400	36	+21.2%	Moderate
Payette	1	$1,264	36	+16.2%	Moderate
Blanchard	1	$1,379	36	+12.9%	Moderate
Melba	1	$1,405	36	+13.0%	Moderate
Parma	1	$1,479	36	+16.7%	Moderate
Albion	1	$1,258	36	+15.2%	Moderate
Weiser	1	$1,374	35	+17.7%	Moderate
Burley	1	$1,255	35	+17.7%	Moderate
Mountain Home	1	$1,189	35	+17.7%	Moderate
Grand View	1	$1,036	35	+10.3%	Moderate
Buhl	1	$1,252	35	+16.7%	Moderate
Coeur d'Alene	2	$1,517	35	+15.8%	Moderate
Gooding	1	$1,159	34	+18.1%	Moderate
Filer	1	$1,333	34	+18.0%	Moderate
Boise City	8	$1,306	34	+19.3%	Moderate
Star	1	$1,369	34	+18.6%	Moderate
Hazelton	1	$1,366	33	+19.8%	Moderate
Wallace	1	$1,378	33	+16.6%	Moderate
Hayden	1	$1,534	33	+15.3%	Moderate
Shoshone	1	$1,215	33	+13.5%	Moderate
Lewiston	1	$1,154	33	+15.2%	Moderate
Kimberly	1	$1,450	33	+18.6%	Moderate
Paul	1	$1,285	33	+20.5%	Moderate
Greenleaf	1	$1,506	32	+20.4%	Moderate
Silverton	1	$1,305	32	+19.0%	Moderate
American Falls	1	$1,346	32	+17.5%	Moderate
Fruitland	1	$1,259	32	+14.4%	Moderate
Downey	1	$1,408	31	+19.6%	Moderate
Twin Falls	1	$1,184	30	+16.9%	Moderate
Jerome	1	$1,231	30	+16.5%	Moderate
Hansen	1	$1,193	29	+19.6%	Moderate
Rathdrum	1	$1,271	28	+15.8%	Moderate
Middleton	1	$1,323	28	+19.5%	Moderate
Wendell	1	$1,130	28	+14.8%	Moderate
Caldwell	2	$1,146	28	+16.7%	Moderate
Kuna	1	$1,170	27	+18.3%	Moderate
Meridian	2	$1,204	27	+18.2%	Moderate
Nampa	3	$1,121	25	+17.5%	Moderate
Glenns Ferry	1	$1,152	24	+16.5%	Moderate
Heyburn	1	$1,184	24	+19.3%	Moderate
Post Falls	1	$1,127	24	+13.7%	Moderate
Moscow	1	$1,196	23	+14.3%	Moderate

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Highest Risk ZIPs

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.