Data · May 2026 data · 13-month trend
Idaho Flood Insurance Costs
In May 2026, the average premium among Idaho NFIP policies newly written or renewed that month was $734. The state pays less than the country as a whole — 25.2% under the $982 national average. The figure is up 6.5% year over year. The month's tally covers 703 policy transactions across 34 counties, with Boundary County posting the highest average premium at $6,457.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $734
- Avg total cost (with fees)
- $954
- Change (year over year)
- +6.5%
- vs national average
- -25.2%
- Policies written or renewed
- 703
- Counties reporting
- 34
Idaho trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $689 | $904 | 778 | |
| June 2025 | $966 | $1,261 | 350 | |
| July 2025 | $909 | $1,208 | 389 | |
| August 2025 | $920 | $1,206 | 389 | |
| September 2025 | $966 | $1,270 | 364 | |
| October 2025 | $966 | $1,279 | 401 | |
| November 2025 | $1,009 | $1,334 | 405 | |
| December 2025 | $1,059 | $1,401 | 316 | |
| January 2026 | $1,148 | $1,512 | 270 | |
| February 2026 | $1,083 | $1,420 | 372 | |
| March 2026 | $951 | $1,260 | 539 | |
| April 2026 | $1,077 | $1,412 | 389 | |
| May 2026 | $734 | $954 | 703 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Boundary County | $6,457 | $7,916 | 1 | |
| Madison County | $4,182 | $5,142 | 5 | |
| Benewah County | $3,261 | $3,995 | 3 | |
| Owyhee County | $2,572 | $3,107 | 1 | |
| Blaine County | $1,565 | $2,061 | 38 | |
| Adams County | $1,403 | $1,728 | 1 | |
| Lewis County | $1,363 | $1,680 | 1 | |
| Lemhi County | $1,346 | $1,660 | 5 | |
| Bonner County | $1,299 | $1,692 | 20 | |
| Gooding County | $1,282 | $1,585 | 2 | |
| Valley County | $1,178 | $1,687 | 1 | |
| Kootenai County | $1,149 | $1,497 | 13 | |
| Nez Perce County | $1,104 | $1,487 | 2 | |
| Teton County | $1,070 | $1,484 | 3 | |
| Bonneville County | $1,059 | $1,362 | 11 | |
| Ada County | $992 | $1,279 | 200 | |
| Boise County | $991 | $1,466 | 1 | |
| Bingham County | $964 | $1,284 | 9 | |
| Payette County | $943 | $1,185 | 1 | |
| Washington County | $899 | $1,132 | 4 | |
| Cassia County | $884 | $1,227 | 2 | |
| Lincoln County | $863 | $1,090 | 1 | |
| Canyon County | $859 | $1,141 | 33 | |
| Idaho County | $844 | $1,068 | 2 | |
| Latah County | $783 | $1,037 | 11 | |
| Bannock County | $720 | $954 | 7 | |
| Elmore County | $680 | $996 | 13 | |
| Fremont County | $624 | $920 | 2 | |
| Clearwater County | $600 | $780 | 1 | |
| Jefferson County | $458 | $613 | 4 | |
| Twin Falls County | $373 | $613 | 9 | |
| Bear Lake County | $346 | $480 | 1 | |
| Shoshone County | $238 | $307 | 293 | |
| Minidoka County | $232 | $346 | 1 |
Use this data
Download Idaho CSV (idaho.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Idaho Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/idaho
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.