Idaho Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 210 ZIP codes in Idaho (ID).

Homeowners in Idaho pay an average of $1,321 per year for home insurance — 26% below the national average of $1,776. That ranks Idaho as the 38th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 15.3%; nonrenewal rates climbed by 55.2% over the same period.

On five-year premium growth (2018–2022), Idaho ranks 5th out of 51 states. Its nonrenewal rate (1.50%) ranks 10th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,321/yr

National avg: $1,776 (-26% below)

Premium Change

+15.3%

2018-2022 change

Avg Loss Ratio

58.6%

Claims paid vs premiums earned

Nonrenewal Rate

1.50%

+55.2% change

Data Snapshot: Idaho Homeowners Insurance

Idaho homeowners paid an average of $1,321 per year for home insurance based on U.S. Treasury FIO data covering 210 ZIP codes across the state. That is 26% below the national average of $1,776 per year reported by the Federal Insurance Office. Idaho ranks 38th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $876 in 83705 to $5,983 in 83340.

Between 2018 and 2022, average premiums rose by 15.3% in Idaho, placing the state 5th nationally on five-year premium growth. The state-level loss ratio averaged 58.6%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 1.50%, a climb of 55.2% over the study period (ranking 10th out of 50 states).

Within Idaho, premium dispersion across ZIP codes is substantial: the most expensive ZIP (83340 in Ketchum) charges 583% more than the least expensive (83705 in Boise), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Idaho

Idaho statewide — FIO 2018-2022 average: 59% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

210

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,145	$1,051	65.0%	4.08%	0.97%
2019	$1,186 (+3.6%)	$1,092	47.6%	3.03%	1.10%
2020	$1,205 (+1.6%)	$1,114	54.0%	3.24%	0.80%
2021	$1,277 (+6.0%)	$1,189	64.5%	3.42%	1.18%
2022	$1,321 (+3.5%)	$1,234	58.6%	3.18%	1.50%

Average Premium by Year

$1,145

2018

$1,186

2019

$1,205

2020

$1,277

2021

$1,321

2022

Most Expensive ZIP Codes in Idaho

Most Affordable ZIP Codes in Idaho

All ZIP Codes in Idaho

210 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
83340	Ketchum	$5,983	24.1%	3.00%	1.55%
83353	Sun Valley	$5,681	9.6%	3.72%	0.83%
83278	Stanley	$2,967	157.7%	1.38%	2.30%
83333	Hailey	$2,482	20.4%	2.70%	1.19%
83836	Hope	$2,227	77.9%	2.47%	2.25%
83821	Coolin	$2,142	24.9%	2.46%	1.45%
83833	Harrison	$2,103	64.6%	3.03%	1.37%
83452	Tetonia	$2,070	14.6%	2.31%	2.10%
83455	Victor	$2,008	19.0%	2.88%	0.82%
83449	Swan Valley	$1,975	149.0%	3.49%	2.33%
83313	Bellevue	$1,956	6.6%	1.79%	0.69%
83638	Mccall	$1,896	63.0%	2.37%	0.71%
83422	Driggs	$1,840	22.2%	1.74%	0.98%
83429	Island Park	$1,836	-9.6%	1.46%	2.08%
83615	Donnelly	$1,824	34.3%	2.12%	1.17%
83876	Worley	$1,778	30.1%	2.05%	1.93%
83860	Sagle	$1,756	129.8%	2.10%	1.51%
83462	Carmen	$1,753	0.8%	2.06%	N/A
83466	North Fork	$1,713	1.6%	0.99%	0.99%
83420	Ashton	$1,641	-8.3%	2.95%	1.47%
83813	Cocolalla	$1,638	118.7%	3.69%	2.56%
83654	New Meadows	$1,631	26.6%	2.60%	1.79%
83428	Irwin	$1,622	144.7%	5.41%	2.36%
83814	Coeur D Alene	$1,614	49.1%	3.25%	0.75%
83287	Fish Haven	$1,612	78.8%	1.98%	1.83%
83622	Garden Valley	$1,572	30.7%	3.43%	1.86%
83872	Viola	$1,566	17.4%	0.67%	N/A
83616	Eagle	$1,564	50.4%	3.78%	0.58%
83811	Clark Fork	$1,526	16.3%	2.53%	3.61%
83841	Laclede	$1,505	111.8%	3.97%	1.32%
83611	Cascade	$1,497	80.5%	1.91%	2.20%
83848	Nordman	$1,493	47.1%	3.35%	2.97%
83245	Inkom	$1,492	18.7%	3.11%	0.96%
83822	Oldtown	$1,487	64.2%	3.48%	1.87%
83856	Priest River	$1,477	95.1%	2.53%	1.46%
83712	Boise	$1,473	48.0%	4.99%	0.83%
83864	Sandpoint	$1,470	52.0%	3.26%	1.32%
83825	Dover	$1,468	10.1%	1.76%	0.88%
83272	Saint Charles	$1,463	N/A	N/A	0.84%
83314	Bliss	$1,440	1.1%	2.74%	2.74%
83342	Malta	$1,404	199.5%	3.75%	1.25%
83286	Weston	$1,399	19.0%	2.44%	1.95%
83251	Mackay	$1,396	8.5%	1.01%	2.01%
83629	Horseshoe Bend	$1,393	110.6%	4.91%	1.97%
83847	Naples	$1,386	35.4%	2.69%	0.60%
83670	Sweet	$1,382	11.5%	2.22%	3.33%
83327	Fairfield	$1,364	3.3%	1.20%	2.40%
83702	Boise	$1,362	55.8%	5.14%	0.67%
83217	Bancroft	$1,355	31.9%	6.06%	3.03%
83344	Murtaugh	$1,352	70.3%	3.09%	N/A
83809	Careywood	$1,348	68.1%	5.26%	3.51%
83434	Menan	$1,333	29.1%	4.20%	1.53%
83537	Kendrick	$1,332	191.7%	2.76%	1.66%
83835	Hayden	$1,330	45.3%	3.56%	0.44%
83237	Franklin	$1,324	60.3%	1.23%	1.53%
83406	Idaho Falls	$1,319	22.1%	2.96%	0.97%
83845	Moyie Springs	$1,317	19.2%	1.39%	3.90%
83241	Grace	$1,315	25.6%	1.31%	1.75%
83645	Midvale	$1,314	2.1%	1.35%	1.35%
83805	Bonners Ferry	$1,313	18.1%	1.47%	1.41%
83443	Ririe	$1,312	35.1%	3.63%	3.11%
83524	Culdesac	$1,309	27.4%	5.67%	2.84%
83323	Declo	$1,307	86.9%	7.28%	1.46%
83404	Idaho Falls	$1,306	44.8%	4.28%	0.85%
83539	Kooskia	$1,306	59.2%	3.20%	3.94%
83250	Mccammon	$1,304	115.3%	3.53%	2.75%
83810	Cataldo	$1,298	153.1%	6.34%	0.70%
83232	Dayton	$1,297	49.3%	6.10%	2.44%
83440	Rexburg	$1,296	47.4%	3.21%	1.14%
83541	Lenore	$1,294	81.1%	3.01%	1.13%
83554	White Bird	$1,292	4.5%	0.66%	1.32%
83263	Preston	$1,291	41.7%	2.48%	0.86%
83276	Soda Springs	$1,290	24.7%	3.50%	1.17%
83535	Juliaetta	$1,289	19.6%	2.25%	1.12%
83236	Firth	$1,286	109.1%	2.60%	1.30%
83801	Athol	$1,284	32.5%	2.91%	1.24%
83252	Malad City	$1,284	48.5%	1.89%	1.26%
83262	Pingree	$1,284	48.3%	3.90%	1.95%
83445	Saint Anthony	$1,283	73.1%	2.11%	0.89%
83540	Lapwai	$1,283	21.3%	1.22%	3.05%
83246	Lava Hot Springs	$1,283	19.9%	2.87%	1.72%
83442	Rigby	$1,279	41.2%	3.07%	0.93%
83274	Shelley	$1,279	38.7%	3.53%	0.88%
83436	Newdale	$1,278	0.5%	1.33%	1.33%
83228	Clifton	$1,278	52.9%	2.38%	N/A
83660	Parma	$1,267	56.8%	6.39%	0.81%
83255	Moore	$1,264	3.8%	1.65%	1.65%
83871	Troy	$1,263	42.3%	2.03%	2.53%
83655	New Plymouth	$1,262	51.5%	3.31%	2.07%
83450	Terreton	$1,261	38.0%	4.35%	N/A
83549	Riggins	$1,261	151.7%	3.33%	0.95%
83349	Richfield	$1,258	20.2%	3.37%	2.25%
83676	Wilder	$1,254	45.2%	4.64%	1.43%
83431	Lewisville	$1,254	22.7%	1.39%	0.69%
83433	Macks Inn	$1,252	N/A	N/A	1.04%
83444	Roberts	$1,252	19.2%	2.91%	1.74%
83626	Greenleaf	$1,251	54.8%	4.60%	0.42%
83221	Blackfoot	$1,249	56.6%	4.26%	0.93%
83631	Idaho City	$1,244	18.8%	1.87%	4.21%
83641	Melba	$1,244	365.3%	12.28%	1.39%
83857	Princeton	$1,242	N/A	N/A	0.83%
83610	Cambridge	$1,240	68.9%	1.71%	1.71%
83451	Teton	$1,238	185.1%	6.35%	1.59%
83448	Sugar City	$1,236	13.6%	1.64%	0.27%
83869	Spirit Lake	$1,235	46.7%	3.07%	1.40%
83823	Deary	$1,232	96.2%	3.78%	1.37%
83525	Elk City	$1,231	5.5%	1.22%	2.44%
83341	Kimberly	$1,223	60.3%	2.69%	0.75%
83804	Blanchard	$1,222	77.6%	1.77%	0.66%
83320	Carey	$1,214	42.2%	4.83%	1.38%
83543	Nezperce	$1,212	205.5%	1.98%	1.98%
83346	Oakley	$1,211	164.6%	1.63%	0.54%
83803	Bayview	$1,205	34.5%	1.09%	0.27%
83223	Bloomington	$1,203	1.2%	1.39%	N/A
83639	Marsing	$1,203	52.5%	5.87%	0.81%
83553	Weippe	$1,202	53.7%	1.96%	1.31%
83861	Saint Maries	$1,199	37.8%	2.59%	1.33%
83612	Council	$1,198	43.2%	2.52%	1.26%
83839	Kingston	$1,197	22.3%	3.51%	1.35%
83536	Kamiah	$1,195	88.8%	4.94%	1.74%
83552	Stites	$1,193	7.6%	1.81%	2.26%
83239	Georgetown	$1,187	84.9%	2.15%	3.23%
83546	Pierce	$1,187	17.1%	2.76%	4.83%
83423	Dubois	$1,185	33.4%	1.39%	4.17%
83522	Cottonwood	$1,183	543.0%	4.30%	0.66%
83873	Wallace	$1,182	119.7%	3.93%	0.44%
83261	Paris	$1,177	16.1%	1.69%	1.69%
83234	Downey	$1,177	181.2%	1.73%	0.58%
83716	Boise	$1,176	52.9%	3.84%	1.11%
83855	Potlatch	$1,175	6.8%	2.12%	1.86%
83832	Genesee	$1,174	23.0%	3.23%	0.97%
83467	Salmon	$1,173	21.6%	1.97%	2.20%
83672	Weiser	$1,168	21.7%	2.88%	0.72%
83204	Pocatello	$1,167	34.2%	4.73%	1.47%
83669	Star	$1,155	43.6%	3.40%	0.74%
83851	Plummer	$1,154	109.7%	5.83%	1.29%
83401	Idaho Falls	$1,151	32.0%	3.37%	0.92%
83226	Challis	$1,151	18.3%	1.98%	1.49%
83628	Homedale	$1,146	99.2%	5.60%	1.71%
83211	American Falls	$1,145	72.6%	3.92%	0.60%
83454	Ucon	$1,144	25.0%	6.45%	3.23%
83544	Orofino	$1,143	82.3%	2.83%	1.23%
83325	Eden	$1,142	5.1%	2.73%	N/A
83214	Arimo	$1,141	9.9%	2.47%	N/A
83335	Hazelton	$1,140	31.9%	2.48%	0.62%
83523	Craigmont	$1,139	32.3%	6.04%	3.36%
83714	Garden City	$1,138	62.8%	4.45%	1.05%
83637	Lowman	$1,133	76.8%	3.57%	4.46%
83547	Pollock	$1,130	N/A	N/A	5.32%
83328	Filer	$1,129	46.5%	3.71%	0.88%
83402	Idaho Falls	$1,127	44.5%	3.93%	1.15%
83213	Arco	$1,120	89.9%	2.83%	2.83%
83617	Emmett	$1,108	64.1%	3.69%	1.13%
83644	Middleton	$1,107	41.6%	3.26%	0.61%
83332	Hagerman	$1,106	74.3%	5.81%	2.09%
83852	Ponderay	$1,104	38.3%	2.65%	1.77%
83210	Aberdeen	$1,101	73.2%	2.19%	1.25%
83619	Fruitland	$1,100	59.8%	2.28%	1.02%
83858	Rathdrum	$1,098	48.1%	2.96%	0.57%
83867	Silverton	$1,097	463.0%	2.50%	N/A
83545	Peck	$1,097	63.4%	2.20%	N/A
83311	Albion	$1,092	97.6%	5.50%	1.83%
83661	Payette	$1,088	76.8%	4.41%	1.20%
83827	Elk River	$1,076	45.0%	2.86%	2.86%
83846	Mullan	$1,076	12.6%	1.70%	2.13%
83316	Buhl	$1,073	140.1%	3.95%	1.29%
83352	Shoshone	$1,070	38.5%	1.31%	1.74%
83837	Kellogg	$1,067	66.1%	2.91%	1.66%
83347	Paul	$1,067	17.4%	3.03%	0.87%
83318	Burley	$1,066	56.6%	4.27%	0.95%
83555	Winchester	$1,065	20.8%	3.33%	2.00%
83201	Pocatello	$1,064	71.9%	6.29%	1.25%
83350	Rupert	$1,063	34.4%	3.44%	1.25%
83703	Boise	$1,062	59.4%	5.73%	0.76%
83607	Caldwell	$1,062	77.1%	3.71%	0.75%
83202	Pocatello	$1,062	66.0%	5.41%	0.52%
83713	Boise	$1,059	71.1%	5.77%	0.60%
83338	Jerome	$1,057	55.8%	3.21%	0.95%
83830	Fernwood	$1,056	1.7%	0.79%	2.38%
83530	Grangeville	$1,054	45.3%	2.66%	1.05%
83427	Iona	$1,051	20.2%	1.66%	1.16%
83843	Moscow	$1,046	8.7%	1.51%	0.17%
83642	Meridian	$1,045	42.9%	3.69%	0.54%
83709	Boise	$1,031	72.7%	4.51%	0.49%
83254	Montpelier	$1,027	28.3%	1.99%	2.28%
83686	Nampa	$1,018	60.3%	4.39%	0.63%
83840	Kootenai	$1,015	14.6%	1.40%	2.10%
83301	Twin Falls	$1,013	36.4%	3.31%	0.76%
83647	Mountain Home	$1,010	55.4%	4.13%	1.32%
83815	Coeur D Alene	$1,005	44.4%	4.08%	0.32%
83501	Lewiston	$1,002	27.0%	2.20%	0.84%
83334	Hansen	$997	93.1%	1.49%	0.74%
83336	Heyburn	$993	72.6%	3.28%	0.36%
83646	Meridian	$991	50.0%	3.56%	0.46%
83854	Post Falls	$991	69.8%	4.53%	0.49%
83623	Glenns Ferry	$989	7.0%	2.16%	0.54%
83850	Pinehurst	$989	41.8%	2.27%	2.09%
83634	Kuna	$989	39.3%	3.07%	0.56%
83706	Boise	$986	58.7%	3.97%	0.45%
83355	Wendell	$985	74.4%	4.14%	1.80%
83330	Gooding	$981	34.8%	2.36%	1.24%
83849	Osburn	$980	33.0%	3.28%	1.73%
83687	Nampa	$947	72.4%	4.25%	0.61%
83624	Grand View	$939	198.3%	1.39%	1.39%
83656	Notus	$911	19.4%	2.65%	1.77%
83704	Boise	$908	88.3%	4.83%	0.45%
83605	Caldwell	$903	75.0%	5.10%	0.99%
83651	Nampa	$899	69.7%	4.68%	0.85%
83868	Smelterville	$885	10.1%	0.63%	0.63%
83705	Boise	$876	74.1%	5.48%	0.75%

Idaho Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Idaho compares to other states

Related Data for Idaho

Natural Disaster Risk

FEMA disaster & NOAA storm data for Idaho

Wildfire Risk Data

USDA wildfire risk assessments for Idaho

Rental Market Data

HUD fair market rents in Idaho

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Idaho

Climate Data

NOAA climate normals for Idaho

Frequently Asked Questions

What is the average homeowners insurance cost in Idaho? ▼

The average homeowners insurance premium in Idaho is $1,321 per year, based on U.S. Treasury FIO data covering 210 ZIP codes. This is 26% below the national average of $1,776.

How have insurance premiums changed in Idaho? ▼

Idaho homeowners insurance premiums changed by +15.3% between 2018 and 2022. The average loss ratio is 58.6%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Idaho? ▼

The most expensive ZIP code for homeowners insurance in Idaho is 83340, with an average premium of $5,983/yr. The most affordable is 83705 at $876/yr.

What is the nonrenewal rate for Idaho homeowners insurance? ▼

The average nonrenewal rate in Idaho is 1.50%. This rate has changed by +55.2% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 83547 has the highest nonrenewal rate in the state at 5.32%.

What is a loss ratio and what does Idaho's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Idaho's average loss ratio is 58.6%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Idaho? ▼

The average claim frequency in Idaho is 3.18%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $25,893. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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