$1,543
Idaho county average (2024)
42 of 44
Counties with data
$2,163
Highest: Valley
$879
Lowest: Ada
Idaho counties by home insurance cost
All 42 natively covered Idaho counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Valley | $2,163 | +42% | 0.32% |
| 2 | Teton | $2,057 | +35% | 0.24% |
| 3 | Custer | $1,935 | +27% | 0.48% |
| 4 | Oneida | $1,924 | +26% | 0.54% |
| 5 | Adams | $1,848 | +21% | 0.36% |
| 6 | Blaine | $1,787 | +17% | 0.16% |
| 7 | Lewis | $1,770 | +16% | 0.61% |
| 8 | Bonner | $1,744 | +14% | 0.27% |
| 9 | Idaho | $1,682 | +10% | 0.46% |
| 10 | Benewah | $1,672 | +9% | 0.49% |
| 11 | Fremont | $1,672 | +9% | 0.35% |
| 12 | Lincoln | $1,641 | +7% | 0.51% |
| 13 | Caribou | $1,634 | +7% | 0.48% |
| 14 | Jefferson | $1,615 | +6% | 0.34% |
| 15 | Owyhee | $1,614 | +6% | 0.36% |
| 16 | Washington | $1,603 | +5% | 0.40% |
| 17 | Boundary | $1,588 | +4% | 0.34% |
| 18 | Madison | $1,587 | +4% | 0.37% |
| 19 | Shoshone | $1,587 | +4% | 0.56% |
| 20 | Power | $1,566 | +3% | 0.56% |
| 21 | Butte | $1,565 | +2% | n/a |
| 22 | Franklin | $1,490 | -2% | 0.33% |
| 23 | Bear Lake | $1,485 | -3% | 0.37% |
| 24 | Cassia | $1,484 | -3% | 0.42% |
| 25 | Lemhi | $1,473 | -4% | 0.37% |
| 26 | Clearwater | $1,464 | -4% | 0.47% |
| 27 | Gem | $1,455 | -5% | 0.30% |
| 28 | Boise | $1,429 | -6% | 0.29% |
| 29 | Elmore | $1,402 | -8% | 0.39% |
| 30 | Payette | $1,395 | -9% | 0.33% |
| 31 | Bonneville | $1,374 | -10% | 0.34% |
| 32 | Minidoka | $1,371 | -10% | 0.41% |
| 33 | Jerome | $1,363 | -11% | 0.33% |
| 34 | Gooding | $1,357 | -11% | 0.38% |
| 35 | Latah | $1,348 | -12% | 0.28% |
| 36 | Bannock | $1,335 | -13% | 0.37% |
| 37 | Bingham | $1,333 | -13% | 0.34% |
| 38 | Nez Perce | $1,308 | -14% | 0.33% |
| 39 | Twin Falls | $1,280 | -16% | 0.33% |
| 40 | Kootenai | $1,277 | -16% | 0.21% |
| 41 | Canyon | $1,229 | -20% | 0.29% |
| 42 | Ada | $879 | -42% | 0.17% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Idaho average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Idaho (2024)," https://hearthmap.app/home-insurance-by-county/idaho. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Idaho: frequently asked questions
- What is the average cost of homeowners insurance in Idaho?
- The average homeowners insurance premium in Idaho was $1,543 per year in 2024, a simple mean across the 42 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Idaho county has the cheapest home insurance?
- Ada had the lowest average homeowners insurance premium in Idaho at $879 per year in 2024.
- Which Idaho county has the most expensive home insurance?
- Valley had the highest average homeowners insurance premium in Idaho at $2,163 per year in 2024.
- How many Idaho counties are in this dataset?
- 42 of 44 Idaho counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Idaho
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Idaho cost of living, schools & demographics
Home insurance by county in other states:
Get the monthly digest
One email a month: fresh county datasets, new maps, and a few interesting data finds.
No spam, one-click unsubscribe, and we never share your address.