What the first call already showed

The 2025 data call produced figures the Department has since published, and they explain why the second one was widened.

• The statewide average annual homeowners premium rose from $1,308 in 2022 to $1,468 in 2023 to roughly $1,800 in 2024 — on the order of a 40% increase in two years.
• Policies in force fell from about 464,000 in 2022 to roughly 424,000–426,000 across 2023 and 2024, a contraction of around nine percent.
• Of 91 property insurers active in Idaho in 2023, the Director has said roughly 22 to 25 have nonrenewed some or all policies, wildfire risk among the reasons.
• Blaine County and Boise County registered among the highest nonrenewal rates in the country; Blaine County's rate more than quintupled over five years, to 2.8% in 2023.³

The gap that matters to associations

Here is the limitation worth stating plainly: none of this data is condominium- or association-specific. The call is built on line 4 homeowners and dwelling-fire business. Condominium master policies and association common-area coverage are commercial lines and are not what the template collects.

So Idaho has, for the first time, a solid statewide evidence base on single-family property insurance — and still has no published figure for what has happened to condominium master-policy premiums, deductibles or availability. Boards budgeting for a master-policy renewal are extrapolating from an adjacent market.

That gap is worth raising with the Department. The 2026 call widened the carrier net rather than the line-of-business net; a future one could do the reverse.

What Idaho boards can do with this

1. Budget for renewal, not for inflation. A 40% two-year move in the adjacent line is not an assessment increase an association can absorb by trimming landscaping. Idaho imposes no statutory cap on assessments — the limit, if any, is in the declaration.
2. Check what your declaration actually requires you to carry. Idaho's Condominium Property Act insurance provision, § 55-1517, is permissive: it grants the management body authority and an insurable interest, not a duty. Planned communities have no statutory insurance provision at all. What binds an Idaho association is its own declaration and its lenders.
3. Treat nonrenewal as a scheduling problem. With a quarter of the market having nonrenewed something, the practical risk is not only price but timing. A board that starts a master-policy renewal thirty days out in a wildfire-exposed county has left itself no options.
4. Know the notice you are now owed. Idaho lengthened commercial cancellation and nonrenewal notice periods in the 2026 session — House Bill 562, Chapter 201, amending Idaho Code § 41-1842, effective 1 January 2027, moves notice for cancellations other than nonpayment from 30 to 60 days and nonrenewal notice from 45 to 60 (nonpayment stays at 10 days).⁴ Until then the shorter periods still apply.
5. Fund reserves as if no one is checking, because no one is. Idaho requires no reserve study and no reserve funding, for condominiums or for associations under the Homeowner's Association Act. Rising deductibles convert an insurance problem into a reserve problem.

What to watch next

Three things. Whether the Department publishes an analysis of the 2026 submissions, and whether it breaks out any commercial or association lines. Whether wildfire-mitigation legislation returns in 2027 — a mitigation-fund concept was proposed as House Bill 384 in 2025 and again in a 2026 package, and was held in committee both times. And whether Idaho's rolling zero-based regulation review touches any insurance rule chapter bearing on property coverage; no HOA-specific administrative rulemaking is currently in that queue, consistent with the fact that no Idaho agency holds HOA-specific rulemaking authority.