Clearwater County

Insurance in Orofino, Idaho

A Local Agency, in Town

The Jamey Hix Agency is an Idaho Farm Bureau Insurance agency at 152 South A Street in Orofino — the county seat, on the Clearwater. Jamey is a lifelong Clearwater Valley resident and runs the agency with her daughters, Kadey and Dori.

We write auto, home, farm and ranch, life, business, and health coverage for families and businesses in Orofino and across North Central Idaho.

Auto

Cars, pickups, and the drive down Highway 12 or up the grade in winter. Includes trailers, ATVs, side-by-sides, and snowmobiles.

Home

Houses in town, places on acreage, riverfront along the Clearwater, and cabins toward Dworshak — written to fit the property.

Farm & Ranch

Hay ground, timber land, livestock, outbuildings, and equipment. The coverage most standard homeowners policies leave short.

Life

Term and permanent coverage, set up around what your family would actually need if you were not there.

Business

Logging outfits, contractors, shops, and Main Street businesses across Clearwater County.

Health

Individual and family plans, plus Medicare questions, walked through in person rather than over a call queue.

Around Orofino

What We Actually Insure Here

Coverage written for a subdivision in a valley city does not fit most property around Orofino. These are the situations that come across the desk every week.

  • Homes in town on older foundations that need replacement-cost limits reflecting current rebuild prices, not a decade-old figure
  • Riverfront property along the Clearwater, where docks, banks, and access roads change what a policy needs to cover
  • Cabins and recreational property around Dworshak Reservoir
  • Acreage with shops, hay barns, equipment sheds, and detached garages that outgrew the original policy
  • Timber land and the equipment that works it
  • Wildfire exposure across the wooded ground that surrounds most of the valley

Get a Quote in Orofino

Why Local Matters

The Difference Shows Up on the Bad Day

Any policy looks the same on the day you buy it. What separates them is what happens when you need to use one.

An Office You Can Walk Into

We are at 152 South A Street, in Orofino — not a regional center three hours away. Clients stop in without an appointment, and that is how we prefer it. Most of what people want to change about a policy takes ten minutes across a desk and a week by email.

A Family Team, Not a Call Queue

Jamey runs the agency with her daughters Kadey and Dori. When you call during office hours, one of them answers. Nobody is reading your file for the first time while you wait on hold.

Claims Handled in Idaho

Idaho Farm Bureau Insurance keeps claims in state. When a tree comes down in February, the person handling it understands rural addresses, snow access, and what it takes to get a contractor up a county road.

Serving the wider county too — see insurance across Clearwater County, including Pierce, Weippe, Elk River, and Ahsahka.

Common Questions

Orofino Insurance FAQs

Questions we get from people looking for an agent in town.

Is there a Farm Bureau insurance agent in Orofino?
Yes. The Jamey Hix Agency is an Idaho Farm Bureau Insurance agency at 152 South A Street in Orofino, Idaho. Jamey Hix owns the agency and has been an Idaho Farm Bureau Insurance agent since 2024; she was named the Idaho Farm Bureau Federation 2025 Rookie of the Year and a Top Developing Agent. You can call the office at (208) 881-9590 or stop in during business hours.
Do I have to live in Orofino to work with your agency?
No. The office is in Orofino because that is home, but we write coverage across the Clearwater Valley and North Central Idaho — Pierce, Weippe, Elk River, Ahsahka, Greer, Cavendish, Kamiah, and the surrounding country. Plenty of clients drive in from out of town once and handle everything after that by phone.
How much does insurance cost in Orofino?
It depends on far too much to quote a number honestly on a web page — what you drive, how far you commute, how your home is built, how far it sits from a fire department, what is stored in the outbuildings, and your history. Anyone publishing a flat Orofino rate is guessing. Call (208) 881-9590 and we will price your actual situation rather than an average.
Can I get insurance in Orofino without coming into the office?
Yes. Quotes, changes, and new policies can be handled over the phone and by email. The office is here for people who would rather sit down and go through it in person, which many of our clients prefer — but it is never a requirement.
What should I bring to an insurance review in Orofino?
Your current declarations pages if you have them, a rough list of any buildings or improvements added since the policy was written, and vehicle or equipment details. If you cannot find the paperwork, come anyway — we can usually pull most of it together from what you remember and go from there.
Do you insure properties outside of city limits?
Most of what we write is outside city limits. Rural acreage, timber ground, riverfront, and places up the grade are the normal case here rather than the exception, and the policies are built around that — outbuildings, access, distance to a responding department, and equipment all get accounted for.
Who do I call to file a claim on an Idaho Farm Bureau policy?
You can start a claim directly with Idaho Farm Bureau Insurance at any hour, and you can also call our Orofino office at (208) 881-9590 during business hours and we will help you get it moving. Details on both routes are on our claims page.