Mark Arneault Insurance Agency
475 Pleasant St, Ste 22, Lewiston, ME 04240
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475 Pleasant St, Ste 22, Lewiston, ME 04240
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1125 Lisbon St, Lewiston, ME 04240
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Learn about insurance coverage options specific to Lewiston residents.
Yes, you should seriously consider it. Nearly $2 billion in property sits in the Lewiston-Clarkston floodplain, and sediment buildup behind Lower Granite Dam is creating new flood risks that FEMA maps may not reflect. About 20% of flood claims come from outside high-risk zones. With levee freeboard down to 1.5 feet in some areas and 3 million cubic yards of sediment accumulating annually, Lewiston's flood profile is changing—and standard homeowners insurance won't cover a drop of flood damage.
Idaho ranks fifth nationally for both wildfire and earthquake risk, with 175,000 properties facing extreme wildfire exposure. Insurers are responding to dramatically higher claims costs from climate-related events, construction cost inflation, and increased risk exposure. Some Snake River Plain areas have seen policy availability drop 20%, and premium increases of 30% aren't unusual. The situation is severe enough that state officials from both parties are calling it an insurance crisis.
You need enough to fully rebuild your home at today's construction costs, not just its market value. With Lewiston's median home price hitting $425,000 in mid-2025 (up 19% in one year) and construction costs soaring, your dwelling coverage should reflect replacement cost estimates. Get a current estimate from your insurer or a contractor, and make sure to cover the full rebuild—including meeting current building codes, which can add 20-30% to reconstruction costs.
The average monthly homeowners insurance cost in Lewiston runs about $66, or roughly $792 annually. However, your actual rate depends on your home's age, value, condition, deductible, coverage limits, credit score, and claims history. With Idaho's insurance market tightening and Lewiston's unique flood and wildfire risks, expect rates to vary significantly between insurers—which is why shopping multiple quotes is essential.
No, standard homeowners policies don't cover earthquake damage. Idaho experienced a 7.3 magnitude earthquake in 1983 and ranks fifth nationally for earthquake risk. You need to add earthquake coverage as a separate endorsement or standalone policy. Given Idaho's seismic activity and Lewiston's location, this coverage is worth considering, especially if you have an older home that may not meet modern seismic building standards.
The highest flood risk occurs in late November, early December, and throughout late winter and spring when snowmelt and rain combine to raise river levels. Remember that flood insurance has a 30-day waiting period after purchase, so you can't buy it when the rivers start rising—you need to plan ahead. If you're thinking about flood coverage during spring runoff, you're already too late for that season.
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