Home Insurance in Adams County, Washington
With a median home value of $273,300, Adams County is 52% lower than the Washington median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Adams County was built around 1977. About 26% of homes were built before 1960, about 6 points above Washington's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adams County is 63% single-family homes, 7% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
48% of owner-occupied homes in Adams County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Adams County has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Adams County, 72% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Adams County's top hazards are wildfire (Relatively Low), earthquake (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Adams County has 9 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $273,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)