Home Insurance in Clarkston, Washington
Homes in Clarkston carry a median value of $253,500 - 22% lower than the Asotin County median.
The typical home in Clarkston was built around 1955. About 58% of homes were built before 1960, about 28 points above Asotin County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clarkston, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Clarkston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Clarkston are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clarkston - 57% - are primarily heated with natural gas.
FEMA rates Asotin County's overall risk as Very Low, led by wildfire (Relatively Moderate). Asotin County had 12 active NFIP flood policies as of September 2026. See the full Asotin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $253,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Asotin County | 12 |
| 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)