Boise, ID real-estate risk
Boise, ID (Ada County) carries a FEMA National Risk Index score of 87.8/100 — rated "Relatively Moderate" — driven mainly by wildfire and heat wave, with roughly $116M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$116M/yr
all natural hazards, county-wide
Buildings-only loss
$94M/yr
the part that hits owners + insurers
What it means for insurance
Hazard exposure here is moderate, so insurance is less likely to be the deal-breaker — but a stated insurance figure should still be checked against the area band before close.
Boise risk — FAQ
Is Boise, ID a high-risk area for real estate?
Boise scores 87.8/100 on FEMA's National Risk Index — rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $116M per year.
What is the biggest natural hazard in Boise?
The highest-rated hazard is wildfire (98.3/100), followed by heat wave (92.9/100).
How does hazard risk affect property insurance in Boise?
Hazard exposure here is moderate, so insurance is less likely to be the deal-breaker — but a stated insurance figure should still be checked against the area band before close.
Scan a Boise property — free
Drop in any Boiseaddress and PropHunt's AI pulls the cap rate, comps, permit history and the full hazard/insurance read — no card required.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0–100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.
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