Idaho Home InsuranceFlood insurance discounts in Idaho
Flood discounts in Idaho
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 174 Idaho communities in the National Flood Insurance Program, 24 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Eagle | 6 | 20% |
| Boise | 7 | 15% |
| Garden City | 7 | 15% |
| Kootenai County | 7 | 15% |
| Ada County | 8 | 10% |
Source: FEMA NFIP Community Status Book.
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