Idaho Homeowners Pay Some of the Lowest Insurance Costs In The Country Despite Wildfire Risks

"Idaho homeowners enjoy some of the lowest insurance premiums in the nation, even as premiums rise across many other states. While climate risks are pushing prices higher in places like Florida, Texas, and California, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Idaho households remain relatively insulated from the steepest increases. Idaho's Insurance Costs Stay Affordable"

"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Idaho homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average $800-$999. Overall statewide costs also fall in the $1,000-$1,499 range. Idaho has 538,468 insured homeowner households in total-325,019 with a mortgage and 213,449 without. Among mortgaged owners, 29,024 pay less than $100 annually and 11,454 pay $4,000 or more."

Climate-driven insurance price increases are concentrated in high-risk states such as Florida, Texas, and California, while Idaho remains comparatively insulated. Typical Idaho homeowners with a mortgage pay $1,000–$1,499 annually for homeowners insurance; owners without a mortgage average $800–$999. Statewide average costs fall in the $1,000–$1,499 range. Idaho has 538,468 insured homeowner households, including 325,019 with a mortgage and 213,449 without. Smaller groups pay very low premiums or very high premiums, with 29,024 mortgaged owners paying under $100 and 11,454 paying $4,000 or more. Regional comparisons show Montana and Wyoming averaging higher costs, while Utah, Oregon, and Washington align with Idaho.

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