How much is Flood Insurance in Idaho? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 

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How much is Flood Insurance in Idaho?

The average cost per policy in Idaho through the NFIP is $656.65. Depending on where you live, this average could vary substantially! When you also add in variables like your deductible, the cost of your home and contents, your premiums can change. 10 of the most populated cities in Idaho are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy
Idaho Falls
Coeur d'Alene
Twin Falls
Post Falls

*Prices as of April, 2021.

How do I save money on Flood Insurance in Idaho?

You may be able to save by getting a quote for private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email! Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

Do I need flood insurance in Idaho?

Yes, you should protect your home with coverage at all times against the most common, and most costly, natural disaster. Flood can happen anywhere!


Federal law requires anyone who purchases a home with government-issued or government-backed financing to purchase flood insurance if the home is in a high-risk flood area. For more information flood zones, visit our Flood Map Lookup to type in your address and find out if you're in a high-risk flood zone.


Does my Idaho homeowners insurance in cover flooding?

Typically, your homeowners or renters insurance does not cover flooding. Over 20% of flood claims come from properties outside a high-risk flood zone. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process, you can get a quote started here!

The Cost of Flood Damage

Experiencing a flood in your home can be emotionally and financially devastating. Use the tool below to see how much even just an inch of water could cost you. Flood Insurance can help you get back on your feet again.

Get an Instant Flood Insurance Quote Online today!

Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage at the lowest price. 

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