Homeowners insurance in Idaho: premium by ZIP code
Idaho's median ZIP code paid $1,235 per policy in 2022, after a rise of +16.6% after inflation, ranked 5 of 51.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Idaho (median ZIP code)
$1,235
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,645.
| Change from 2018 to 2022, after inflation | +17.4% |
| Premium per policy in 2018 | $1,052 |
| Premium per policy in 2022 | $1,235 |
| 2022 premium carried to September 2026 (BLS index) | $1,645 |
| Policies not renewed by the insurer, 2022 | 1.25% |
| Claims paid per 100 policies, yearly average | 2.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $18,282 |
| Cancelled for nonpayment, 2022 | 1.11% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 211 ZIP codes in 44 counties of Idaho in the Treasury file · not a quote
Idaho is still one of the cheaper states for homeowners insurance, but it was one of the fastest rising. The median ZIP code paid $1,052 per policy in 2018 and $1,235 in 2022, a rise of +16.6% after inflation, ranked 5 of 51. Ada County, around Boise, rose +19.9% and Bonneville County, around Idaho Falls, +20.3%, as the state's population and building costs grew quickly. Insurers' paid loss ratio climbed every year, from 33% to 45%, and nonrenewals rose to 1.25% in 2022, ranked 9 of 51. Claims were rare but large, $18,282 on average. Blaine County, home of Sun Valley and Ketchum, had the two dearest ZIP codes, above $5,600. Idaho has no FAIR plan for homes. The data stop in 2022.
Boise, Nampa and the growth years
Ada County had 14 ZIP codes in the file and a median of $1,052 in 2022. Canyon County, around Nampa and Caldwell, was at $1,040 after a rise of +15.4%. Both are lower than the state median, and the cheapest ZIP code in Idaho, 83705 in Ada County, paid $876. The rise in the Treasure Valley came with a construction boom: when labor and materials cost more, the cost to rebuild a house rises, and so do dwelling limits and premiums.
North Idaho and the mountains
Bonner County, around Sandpoint, had a higher median than the Boise area, $1,482, with wildfire the main concern in forested areas. ZIP 83868 in Shoshone County, in the Silver Valley, paid $885. At the top, 83340 and 83353 in Blaine County paid $5,983 and $5,681: second homes of high value in the Wood River Valley. The state's dearest tenth of ZIP codes paid over $1,638.
An Idaho premium from 2022 to today
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The 2022 premium at September 2026 homeowners insurance prices
$1,645
| Same premium carried with general inflation (CPI-U) instead | $1,422 |
| Index rise 2018 to 2022, for comparison | 6.9% |
| Consumer prices 2018 to 2022 | 16.5% |
Losses rose every year
Paid claims per 100 policies were low throughout, between 2.6 and 3.1, but the paid loss ratio rose steadily: 33%, 35%, 39%, 42%, 45% from 2018 to 2022. The average claim was $18,282, ranked 9 of 51, pointing to fires and large water losses rather than many small repairs. Winter pipe bursts in vacant second homes are a classic Idaho claim; a policy may limit freezing coverage when a house is unheated or unoccupied.
Renewals and where to turn
The nonrenewal rate went from 0.60% in 2020 to 1.25% in 2022. Wildfire exposure is the reason most often given in forested ZIP codes. Idaho has no residual market plan for homes listed in the Treasury report, so a declined home goes to surplus lines insurers through an agent. The Idaho Department of Insurance handles complaints; the nonrenewal page lists what to do after a notice.
Idaho, year by year
| Year | Idaho median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,052 | $1,445 | 0.71% | 2.6 | 33% |
| 2019 | $1,093 | $1,469 | 0.85% | 2.7 | 35% |
| 2020 | $1,114 | $1,491 | 0.60% | 2.9 | 39% |
| 2021 | $1,190 | $1,521 | 0.84% | 3.1 | 42% |
| 2022 | $1,235 | $1,551 | 1.25% | 2.9 | 45% |
The Idaho counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Bonner County | 16 | $1,345 | $1,482 | +9.1% | 1.64% | $29,000 |
| Ada County | 14 | $880 | $1,052 | +19.9% | 0.59% | $15,217 |
| Bonneville County | 10 | $1,062 | $1,309 | +20.3% | 1.16% | $14,088 |
| Canyon County | 10 | $901 | $1,040 | +15.4% | 0.78% | $14,572 |
| Kootenai County | 10 | $1,163 | $1,291 | +11.7% | 0.73% | $20,654 |
| Idaho County | 9 | $1,099 | $1,195 | +7.7% | 1.74% | $24,435 |
| Latah County | 8 | $1,099 | $1,237 | +12.2% | 1.17% | $19,158 |
| Shoshone County | 8 | $913 | $1,071 | +15.8% | 1.51% | $19,728 |
Highest and lowest premiums per policy, Idaho ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 83340 | Blaine County | $5,983 | +15.5% | 1.55% |
| 83353 | Blaine County | $5,681 | +8.0% | 0.83% |
| 83278 | Custer County | $2,967 | +14.1% | 2.30% |
| 83333 | Blaine County | $2,482 | +18.6% | 1.19% |
| 83836 | Bonner County | $2,227 | +9.6% | 2.25% |
| 83705 | Ada County | $876 | +19.7% | 0.75% |
| 83868 | Shoshone County | $885 | +14.4% | 0.63% |
| 83651 | Canyon County | $899 | +15.8% | 0.85% |
| 83605 | Canyon County | $903 | +12.6% | 0.99% |
| 83704 | Ada County | $908 | +16.8% | 0.45% |