Quick answer
For water damage in Fernan Lake Village, ID, shut off your main valve first, or turn off the well pump breaker if you are on a private well. For a city sewer question, call the City of Fernan Lake Village at 208-818-9053. Then call a water damage restoration company; drying should start within 24 to 48 hours. Report the claim to your insurer as soon as you can.
Do this first
Local water and sewer lines.
Mail goes to P.O. Box 1775, Coeur d'Alene, ID. The city clerk is Cindy Espe.
- Shut off the water. Close the main valve where the line enters the house. For a city sewer question, call the City of Fernan Lake Village at 208-818-9053.
- Make it safe and document it. Cut power to wet rooms from a dry spot, photograph the damage, then report the claim.
- Start drying within 24 to 48 hours. The median Fernan Lake Village home dates to 1965, and about 83% were built before 1980. Check old supply lines and the sewer cleanout first.
Fernan Lake Village runs its own sewer collection lines, which feed the Coeur d'Alene treatment system. Call the city at 208-818-9053 about a sewer problem.
What to know about water damage in Fernan Lake Village
381 acres
The surface area of Fernan Lake, not counting its wetlands. Its deepest point is 28 feet.
Freezes and precipitation
The NOAA weather station at Coeur d'Alene averages 120.4 nights a year at or below 32°F and 23.2 at or below 20°F. In half of years the first freeze comes by October 18 and the last one after April 22. Pipes in outside walls, unheated basements, and crawlspaces are the first to split. It also averages 25.36 inches of precipitation a year, counting melted snow, with about 1.7 days of an inch or more.
Rain on snow floods
Low ground around Fernan Lake gets frequent rain-on-snow events, when warm rain melts snow fast. The last major flood was in 1996 and 1997.
Off septic since 1978
The city switched from septic systems to the Coeur d'Alene sewer system in 1978. Homes outside the city limits still use septic.
Incorporated in 1957
Thirty-two residents petitioned to incorporate the Village of Fernan Lake in May 1957. The lake is named for John Fernan, a Fort Sherman soldier who homesteaded nearby.
Source: Wikipedia
An 18.76-square-mile watershed
Fernan Creek flows into the lake from the east, and that part of the watershed is now the largest source of water reaching the lake.
Homes in the village
About 98% of homes are owner-occupied, with a median value near $910,700. About 33% were built before 1960.
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Cost and insurance in Fernan Lake Village
How much does water damage restoration cost in Fernan Lake Village?
Most jobs run $450 to $16,000 (Angi). Lake or snowmelt water that flows in from outside is a flood loss, which needs a separate flood policy. In an older lakefront home, ask the crew to check the basement walls and under flooring before drying ends.
Water removal and restoration in Fernan Lake Village
The company that answers handles basement leaks, sewer backups, frozen pipes, older supply line failures, and water heater failures, plus burst pipes, appliance leaks, drying, and septic backups.
Fernan Lake Village questions
What is the Fernan Lake Village phone number?
208-818-9053.
Is Fernan Lake Village on sewer or septic?
City sewer, tied into the Coeur d'Alene treatment system since 1978.
How big is Fernan Lake?
About 381 acres without its wetlands, up to 28 feet deep, fed by Fernan Creek from the east.
When was Fernan Lake Village incorporated?
In 1957.
Related guides
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- Idaho insurance claim rules, in plain English
- Frozen and burst pipes: what to do
- Does homeowners insurance cover water damage?
- How long water damage takes to dry
Local phone numbers checked November 2026: