Idaho
flood insurance data
- The median paid claim, $9,760, is 73.8% below the national median of the same years ($37,248), the 8th lowest of 51 States and territories.
- Residential NFIP policies counted by FEMA fell 26.9% between 2019 (5,463) and 2025 (3,994); the first year, 2019, has the highest count of the 7.
- 2017 alone holds 68.5% of the paid claims (year of loss 2015-2024).
- Idaho counts 16 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 11th fewest of 53 States and territories. Flood declarations are the most frequent (9), ahead of Severe Storm (6) and Hurricane (1).
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Idaho
NFIP premiums: what NFIP policyholders paid, not a quote. Across 3,994 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,044, and half of them fall between $778 (Q1) and $1,309 (Q3).
With 3,994 residential NFIP policies effective 2025, Idaho has the 9th fewest of 53 States and territories. Of the 4 zones listed (AE, X, A, AO), zone A has the highest median premium ($1,085) and zone AO the lowest ($819). No coastal V or VE zone is listed.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 2,769 | $772 | $1,016 | $1,404 |
| Outside SFHA (X, B, C) | 1,208 | $797 | $1,080 | $1,204 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 2,153 | $786 | $1,031 | $1,410 |
| X | 1,208 | $797 | $1,080 | $1,204 |
| A | 390 | $772 | $1,085 | $1,569 |
| AO | 204 | $655 | $819 | $1,029 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 5,463 |
| 2020 | 5,160 |
| 2021 | 4,920 |
| 2022 | 4,577 |
| 2023 | 4,471 |
| 2024 | 4,174 |
| 2025 | 3,994 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 3,994 policies.
NFIP paid building claims in Idaho
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 248 paid claims; median $9,760, half of them between $3,042 (Q1) and $19,469 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $12,485, a monetary adjustment, not today’s cost of repair.
With 248 paid claims (year of loss 2015-2024), Idaho has the 9th fewest of 53 States and territories.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 5 |
| 2016 | 3 |
| 2017 | 170 |
| 2018 | 11 |
| 2019 | 29 |
| 2020 | 2 |
| 2021 | 3 |
| 2022 | 1 |
| 2023 | 22 |
| 2024 | 2 |
FEMA disaster declarations
Since 2000: 16 flood, hurricane and severe-storm declarations (DR and EM) covering Idaho, 15 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 9 |
| Hurricane | 1 |
| Severe Storm | 6 |
Latest declarations
- DR-4917: SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2026-06-30)
- DR-4789: SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2024-06-10)
- DR-4589: STRAIGHT-LINE WINDS (Severe Storm, 2021-03-04)
- DR-4443: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2019-06-12)
- DR-4342: FLOODING (Flood, 2017-10-07)
FEMA assistance to homeowners
Since 2002: 0 owner registrations inspected by FEMA in Idaho after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
NFIP communities and flood maps
FEMA’s Community Status Book lists 190 NFIP communities in Idaho: 174 participate in the NFIP and 24 (12.6%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 6 (Eagle, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Idaho dates from 1976-03-19 (ST. Charles, City of). 16 of these communities do not participate in the NFIP; 16 carry a sanction, 3 coded as a suspension and 3 as a withdrawal.
| CRS class | Communities |
|---|---|
| 6 | 1 |
| 7 | 3 |
| 8 | 3 |
| 9 | 1 |
| 10 | 16 |
Questions about flood insurance in Idaho
How much is flood insurance in Idaho?
NFIP policyholders in Idaho paid a median of $1,044 for residential policies effective 2025 (3,994 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $778 and $1,309; $1,016 inside the Special Flood Hazard Area against $1,080 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Idaho had?
248 NFIP building claims were paid (year of loss 2015-2024), with a median of $9,760; the year with the most was 2017 (170). These are amounts paid, not repair cost.
Is Idaho in a flood zone?
Of the residential NFIP policies of Idaho (policies effective 2025), 2,769 are rated inside the Special Flood Hazard Area and 1,208 outside it (zones listed: AE, X, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- 0 residential 2025 policies with policyCost <= 0 or empty are left out; 17 kept policies have zone D or an unknown zone (in n, not in the zone tables).
- Owners assistance: fewer than 100 inspections, bands and disasters not published.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).