Flood insurance cost · ID
Flood insurance cost in Idaho
What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,682 home policies in force on August 31, 2026.
Median annual cost of NFIP flood insurance for a home
$1,083a year
Half of insured homes paid between $789 and $1,405. That is about the same as the national median ($1,082). Most insured homes here are rated in zone AE (54%).
This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.
Disaster declarations: see FEMA declarations and IRS tax relief in Idaho, county by county.
Cost by flood zone in Idaho
The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.
| Flood zone | Median | Middle half (25th–75th percentile) | Average | Policies | vs last year |
|---|---|---|---|---|---|
| Zone AE High risk | $1,081 | $804–$1,453 | $1,280 | 1,982 (54%) | +9.1% |
| Zone A High risk | $1,114 | $773–$1,597 | $1,327 | 358 (10%) | +3.3% |
| Zone AO High risk, shallow | $857 | $682–$1,034 | $970 | 209 (6%) | +7.0% |
| Zone AH High risk, shallow | $878 | $765–$1,001 | $885 | 24 (1%) | +5.4% |
| Zone X Moderate to low risk | $1,146 | $817–$1,371 | $1,145 | 1,090 (30%) | +11.2% |
| Zone D Undetermined | $1,434 | $843–$2,429 | $1,799 | 18 (0%) | +13.8% |
Not shown (fewer than 10 home policies): VE, A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.
Cost by type of building
All NFIP policies in force in Idaho, by what they insure.
| Type of building | Policies | Median | Average |
|---|---|---|---|
| Single-family home | 3,365 | $1,086 | $1,224 |
| 2–4 unit building | 110 | $997 | $1,121 |
| Manufactured (mobile) home | 125 | $1,194 | $1,559 |
| Condo or apartment unit | 82 | $853 | $991 |
| Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home. | 92 | $2,876 | $4,218 |
| Non-residential building or unit Businesses, churches, farm buildings and other non-residential property. | 467 | $1,831 | $2,489 |
One year on: Idaho
Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.
| Aug 31, 2025 | Aug 31, 2026 | Change | |
|---|---|---|---|
| Home policies in force | 4,007 | 3,682 | −8.1% |
| Median annual cost | $997 | $1,083 | +8.6% |
| Average annual cost | $1,147 | $1,227 | +7.0% |
| All policies in force (any building) | 4,574 | 4,241 | −7.3% |
Flood claims history
Since 1978, NFIP policyholders in Idaho have filed 1,116 flood claims. 766 received a payment, for a total of $10.4 million (an average of $13,618 per paid claim). The year with the most claims was 2017 (237 claims). Amounts are in dollars of the time, not adjusted for inflation.
All years with at least 10 claims (26)
Swipe the table sideways to see all columns.
| Year of loss | Claims | Paid claims | Total paid | Average per paid claim |
|---|---|---|---|---|
| 2026 | 11 | <10 | – | – |
| 2023 | 31 | 22 | $435,951 | $19,816 |
| 2019 | 35 | 29 | $424,586 | $14,641 |
| 2018 | 19 | 11 | $302,802 | $27,527 |
| 2017 | 237 | 172 | $3,371,571 | $19,602 |
| 2015 | 15 | <10 | – | – |
| 2014 | 18 | 10 | $31,610 | $3,161 |
| 2013 | 11 | <10 | – | – |
| 2012 | 19 | <10 | – | – |
| 2011 | 28 | 20 | $237,566 | $11,878 |
| 2010 | 17 | 15 | $240,610 | $16,041 |
| 2009 | 26 | 14 | $135,971 | $9,712 |
| 2008 | 28 | 16 | $153,642 | $9,603 |
| 2006 | 62 | 52 | $496,887 | $9,556 |
| 2005 | 13 | <10 | – | – |
| 2002 | 16 | 11 | $116,677 | $10,607 |
| 1999 | 10 | <10 | – | – |
| 1998 | 12 | <10 | – | – |
| 1997 | 138 | 113 | $1,712,499 | $15,155 |
| 1996 | 104 | 89 | $1,674,074 | $18,810 |
| 1995 | 27 | 13 | $73,399 | $5,646 |
| 1984 | 19 | 11 | $81,679 | $7,425 |
| 1983 | 21 | 14 | $75,885 | $5,420 |
| 1982 | 41 | 30 | $69,682 | $2,323 |
| 1980 | 25 | 18 | $88,204 | $4,900 |
| 1979 | 35 | 25 | $127,180 | $5,087 |
From 2016 to 2026: 333 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.
Counties in Idaho
Counties with at least 100 NFIP home policies in force have their own page.
- Ada Countymedian $1,074 · 1,467 homes
- Blaine Countymedian $1,416 · 377 homes
- Bonner Countymedian $1,311 · 135 homes
- Canyon Countymedian $887 · 345 homes
- Kootenai Countymedian $1,091 · 208 homes
- Latah Countymedian $1,004 · 117 homes
- Shoshone Countymedian $1,528 · 112 homes
Other counties (fewer policies, no separate page)
| County | Home policies | Median |
|---|---|---|
| Bannock County | 73 | $844 |
| Benewah County | 49 | $1,617 |
| Bingham County | 92 | $978 |
| Boise County | 23 | $1,364 |
| Bonneville County | 67 | $1,089 |
| Boundary County | 10 | $1,377 |
| Cassia County | 17 | $1,233 |
| Custer County | 17 | $1,104 |
| Elmore County | 97 | $806 |
| Fremont County | 16 | $1,201 |
| Gem County | 28 | $940 |
| Gooding County | 32 | $1,147 |
| Idaho County | 10 | $1,057 |
| Jefferson County | 35 | $767 |
| Lemhi County | 30 | $1,538 |
| Lewis County | 16 | $1,168 |
| Madison County | 22 | $954 |
| Minidoka County | 10 | $963 |
| Nez Perce County | 27 | $1,104 |
| Payette County | 25 | $1,005 |
| Teton County | 40 | $1,364 |
| Twin Falls County | 68 | $579 |
| Valley County | 19 | $1,494 |
| Washington County | 54 | $947 |