Idaho Home-Insurance Distress by County

Home-insurance distress across Idaho is below the national norm: 44 counties average 11/100, 49th of 52 states.

1 of Idaho's 44 counties score 70 or higher (severe).

Idaho's reading rests on a FEMA hazard average of 15/100 and NFIP flood-claim stress of 9/100.

Over three years Idaho counties filed 22 NFIP flood claims, $189,599 paid.

Highest in Idaho: Latah County 83/100 (#272 US), Shoshone County 58/100 (#933 US), Nez Perce County 44/100 (#1264 US), Bonner County 37/100 (#1443 US), Kootenai County 36/100 (#1450 US).

Idaho counties by insurance band: 29 zero (Idaho), 13 low, 2 medium; Idaho NFIP claims, three years: 22; Idaho payouts $189,599.

Idaho counties with the most NFIP claims: Latah 9 ($173,888); Ada 5 ($4,958); Twin Falls 2 ($1,830) in Idaho; Canyon 2 ($1,642); Bonneville 1.

Idaho county average rose: 7.5 in March 2026; Idaho reads 10.7 in October 2026; Idaho by month: March 7.5, April 7.5, May 7.2 (Idaho), June 7.2, July 8.8, August 9.2 (Idaho), September 9.2, October 10.7.

Highest Idaho ZIPs, insurance distress: 98125 0 (climate 100), 98019 0 (climate 100) in Idaho, 98055 0 (climate 100), 98174 0 (climate 100) in Idaho, 98028 0 (climate 100), 98053 0 (climate 100) in Idaho.

Reading the Idaho bands: 0 of 44 Idaho counties sit in a high or worse insurance band; Idaho filed 22 NFIP claims in three years, $189,599 paid to Idaho policyholders; a Idaho county's band moves when FEMA hazard revisions, new Idaho NFIP settlements or carrier filings change its monthly score.