Idaho County Foreclosure & Distress Reports (2026)
One report per county — 44 in Idaho — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Idaho distress hub; insurance pressure is on the Idaho home-insurance page.
44 Idaho county reports sit in this archive; Idaho opportunity phases run 27 weak, 10 early_signal, 2 overheated; Idaho ninety-day delinquency 0.6%; 10 banks chartered in Idaho; 4,484 HUD-assisted Idaho units.
Idaho counties to open first by opportunity rank: Benewah (#97, strong_buy); Adams (#97, strong_buy); Shoshone (#182, peak_opportunity) in Idaho; Clearwater (#241, peak_opportunity); Idaho (#459, overheated); Lemhi (#626, overheated).
Idaho insurance bands across counties: 29 zero in Idaho, 13 low, 2 medium; Idaho NFIP claims 22 in three years.
Idaho counties in the peak phase (33): Adams, Bannock, Bear Lake, Benewah, Bingham, Blaine (Idaho), Bonner, Boundary, Camas, Caribou, Cassia, Clark (Idaho), Clearwater, Custer, Elmore, Franklin, Fremont, Gooding (Idaho), Idaho, Kootenai, Latah, Lemhi, Lewis, Lincoln (Idaho), Madison, Minidoka, Oneida, Payette, Power, Shoshone (Idaho), Teton, Valley, Washington.
Idaho counties in the neutral phase (9): Ada, Boise, Bonneville, Butte, Canyon, Gem (Idaho), Jefferson, Nez Perce, Owyhee.
Idaho counties in the contraction phase (2): Jerome, Twin Falls.
Idaho permitted 18,471 housing units in twelve months; 82,009 Idaho units sit vacant of 795,014.
Idaho counties highest on the national opportunity index: Benewah #97 (37.2/100, strong_buy); Adams #97 (37.2/100, strong_buy); Shoshone #182 (36.0/100, peak_opportunity) in Idaho; Clearwater #241 (35.4/100, peak_opportunity); Idaho #459 (33.6/100, overheated); Lemhi #626 (32.7/100, overheated) in Idaho; Blaine #720 (32.3/100, early_signal); Bonner #1,040 (31.0/100, early_signal); Valley #1,131 (30.7/100, early_signal) in Idaho; Boundary #1,182 (30.5/100, early_signal); Kootenai #1,264 (30.2/100, watchlist); Caribou #1,264 (30.2/100, early_signal) in Idaho.
How the Idaho county reports are scored: each Idaho report reads its county's foreclosure filings, Idaho tax-lien and tax-deed records, FHA mortgage delinquency in Idaho (ninety-day rate 0.6%, December 2025), the FDIC stress of Idaho lenders (10 chartered in Idaho) and FEMA/NFIP pressure on Idaho (22 NFIP claims, three years), then scores every Idaho ZIP 0-100.
Benewah County leads Idaho on the opportunity index at #97 nationally with 9 scored ZIPs. Every Idaho report is rebuilt monthly from public records; a Idaho county whose data lapses keeps its Idaho page and says so.