Home Insurance in Hatton, Washington
The median home value in Hatton is $152,500, 44% lower than the Adams County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hatton was built around 1995. About 9% of homes were built before 1960, about 17 points below Adams County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hatton is 27% single-family homes and 61% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Hatton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hatton has an owner-occupancy rate of 41% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Hatton - 86% - are primarily heated with electricity.
FEMA rates Adams County's overall risk as Very Low, led by wildfire (Relatively Low). Adams County had 9 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $152,500 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Adams County | 9 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Nearby towns
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)