Risk Index · Ada County · 2026-06-13
Boise, ID real-estate risk
- Risk score
- 87.8/100
- Relatively Moderate
- Expected annual loss
- $116M
- all hazards, county-wide
- Buildings-only loss
- $94M
- what owners and insurers carry
- Population
- 495K
- Ada County
Boise, ID (Ada County) carries a FEMA National Risk Index score of 87.8/100, rated "Relatively Moderate" and driven mainly by wildfire and heat wave, with roughly $116M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Wildfire98.3
- Heat wave92.9
- Strong wind91.8
- Riverine flood89.8
- Earthquake88.2
- Hail54.5
- Tornado27
- Drought14.6
Each score is the county's percentile against every US county for that hazard (0-100).
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 questions
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.
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.