Homeowners Insurance in Twin Falls, ID

For a home at Twin Falls's median value of $321,300, we estimate about $830 a year — −27% 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 Twin Falls

Est. premium

$830

$69/mo · median home

Median home value

$321,300

Idaho: $418,600

Median year built

1982

Census ACS

Owner-occupied

64.1%

of households

Hazard score

56.2

state ref. 72.1

Twin Falls's estimate reflects its home values (23% lower than the state median) and FEMA's hazard profile for Twin Falls County.

Natural hazard risk in Twin Falls

FEMA National Risk Index — Twin Falls County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	31.1	Comprehensive (car); roof claims (home)
Tornado	Very Low	13.4	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	51.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	36.7	Comprehensive; dwelling
Winter weather	Relatively High	95.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	94.0	Comprehensive; dwelling
Earthquake	Relatively Low	74.0	Home needs a separate earthquake policy
Lightning	Relatively Low	54.3	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 Twin Falls

Dwelling value	Wood frame	Brick / masonry
$200,000	$570	$525
$300,000	$785	$725
$500,000	$1,185	$1,090
$750,000	$1,635	$1,505

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Idaho · Car insurance in Twin Falls · Insurance offices near Twin Falls

Frequently asked questions

How much is homeowners insurance in Twin Falls?

For a home at Twin Falls's median value of $321,300, we estimate about $830 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 Twin Falls?

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

Does the age of homes in Twin Falls affect insurance?

Yes. The median home in Twin Falls was built in 1982 (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 Twin Falls County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page