Flood insurance in Idaho: cost by ZIP code and county
Idaho has 3,461 single-family flood policies in the federal program, with a median bill of $1,083 on July 31, 2026.
Median single-family flood bill, Idaho
$1,083
3,461 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,219 |
| Policies still below their full-risk price | 41 % |
| Median paid in August 2023 | $825 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $6,095 |
| Median claim paid, 2016 to 2025 (236 claims) | $10,459 |
Compiled by Radif Partners · Where the numbers come from · 90 ZIP codes and 36 counties of Idaho in FEMA's tables · not a quote
The median Idaho homeowner with a federal flood policy paid $1,083 for the year on July 31, 2026, a total that includes the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. That is almost exactly the national median of $1,081, across a small book of 3,461 single-family policies. At full risk the state median would be $1,219, and 41 % of policies still pay less than their full-risk premium. Ada County, which contains Boise, carries 1,401 of those policies, about 40 % of the state, at a median of $1,080. Blaine County is the opposite case: a median bill of $1,421 against a full-risk median of $2,913. FEMA's 2023 table counts no storm surge exposure in Idaho, and the median paid claim was $10,459 over 2016 to 2025.
Three groups of counties in the price data
Ada and Canyon, Blaine, and Bonner and Shoshone each tell a different story. In Ada County the median full-risk bill, $1,201, is only a little above what owners pay today. Canyon County, which borders Ada and includes Nampa, is cheaper still: $871 at the median for 334 policies, and close to full price already. For most homes in these two counties, the yearly increases from the cap have little room left.
Blaine County, which includes Ketchum, Hailey and Sun Valley, is where Idaho's flood bills are furthest from their cost. Its full-risk median is about 2 times the median paid, and 66 % of its 346 policies are still below full price. FEMA's 2023 table already listed it as the county with the largest gap in the state. Those owners face several years of increases of up to 18 % on the premium of a main home.
Bonner County ($1,351 at the median) and Shoshone County ($1,453) pay more than Ada and Canyon, with full-risk medians of $2,191 and $2,251.
X zones cost more than A zones here
Idaho reverses the usual order. The 1,071 policies in moderate- or low-risk zones had a median bill of $1,126, above the $1,046 paid by the 2,373 policies in high-risk A zones. In Idaho the zone letter on its own is a poor guide to the bill. Claims follow the same pattern: 108 of the 236 paid single-family claims were rated in X, B or C zones.
Idaho median bill by type of flood zone
Median yearly cost, X, B and C zones, Idaho
$1,126
| Same zone type, whole country | $958 |
| A zones in Idaho | $1,046 |
A thin claims record
The federal file holds no single flood event large enough to rank for Idaho over 2016 to 2025; the $4,373,958 paid on single-family homes came from many smaller floods. That is a reason to read county figures with care, not a sign that the state does not flood. A new policy still waits 30 days before it covers a flood, so a policy bought once a flood is expected may come too late; the waiting period guide lists the exceptions. Neighbouring Nevada has a similar inland profile.
The Idaho counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Ada County | 1,401 | $1,080 | $1,201 | 45 % | 1 | $780 | $6,862 |
| Blaine County | 346 | $1,421 | $2,913 | 66 % | 5 | $1,024 | $11,733 |
| Canyon County | 334 | $871 | $882 | 28 % | 1 | $779 | n/a |
| Kootenai County | 194 | $1,104 | $1,246 | 34 % | 1 | $880 | n/a |
| Bonner County | 125 | $1,351 | $2,191 | 61 % | 4 | $991 | n/a |
| Shoshone County | 98 | $1,453 | $2,251 | 47 % | 3 | $1,158 | n/a |
| Latah County | 110 | $1,003 | $1,029 | 31 % | 1 | $795 | $13,691 |
| Elmore County | 78 | $737 | $737 | 5 % | none | $714 | n/a |
Full-risk prices of Idaho homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 1,617 | 38.6 % | $362,290 |
| $1,000 to $2,000 | 1,471 | 35.1 % | $459,549 |
| $2,000 to $3,000 | 546 | 13.0 % | $566,566 |
| $3,000 to $4,000 | 205 | 4.9 % | $529,412 |
| $4,000 to $5,000 | 131 | 3.1 % | $438,876 |
| $5,000 or more | 218 | 5.2 % |