Homeowners Insurance in Coeur d'Alene, ID

For a home at Coeur d'Alene's median value of $483,500, we estimate about $1,145 a year — +1% versus the Idaho NAIC average of $1,135.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Coeur d'Alene

Est. premium

$1,145

$95/mo · median home

Median home value

$483,500

Idaho: $418,600

Median year built

1994

Census ACS

Owner-occupied

59.5%

of households

Hazard score

55.0

state ref. 72.1

Coeur d'Alene's estimate reflects its home values (16% higher than the state median) and FEMA's hazard profile for Kootenai County.

Natural hazard risk in Coeur d'Alene

FEMA National Risk Index — Kootenai County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	17.3	Comprehensive (car); roof claims (home)
Tornado	Very Low	22.0	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	86.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	38.6	Comprehensive; dwelling
Winter weather	Relatively High	92.7	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	79.5	Comprehensive; dwelling
Earthquake	Relatively Low	79.2	Home needs a separate earthquake policy
Lightning	Relatively Low	24.5	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Coeur d'Alene

Dwelling value	Wood frame	Brick / masonry
$200,000	$565	$520
$300,000	$780	$720
$500,000	$1,175	$1,080
$750,000	$1,625	$1,495

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Coeur d'Alene

ZIP	Median home value	Owner-occupied	Est. premium
83815	$498,300	66.3%	$1,170
83814	$589,600	60.8%	$1,340

Homeowners insurance in Idaho · Car insurance in Coeur d'Alene · Insurance offices near Coeur d'Alene

Frequently asked questions

How much is homeowners insurance in Coeur d'Alene?

For a home at Coeur d'Alene's median value of $483,500, we estimate about $1,145 a year for a standard HO-3 policy with a $1,000 deductible. The Idaho NAIC average is $1,135.

What are the biggest natural hazards in Coeur d'Alene?

FEMA's National Risk Index rates Kootenai County relatively high or very high for winter weather.

Does the age of homes in Coeur d'Alene affect insurance?

Yes. The median home in Coeur d'Alene was built in 1994 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Idaho, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Kootenai County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page