Home Insurance in Benton County, Washington
With a median home value of $407,800, Benton County is 28% lower than the Washington median.
The typical home in Benton County was built around 1988. About 18% of homes were built before 1960, about 3 points below Washington's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Benton County, the housing stock is 66% single-family homes, 17% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Benton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Benton County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Benton County are primarily heated with electricity.
Per FEMA's National Risk Index, Benton County's top hazards are wildfire (Relatively Moderate), earthquake (Relatively Moderate) and winter weather (Relatively High). 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, Benton County has 204 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 | $407,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 204 |
| 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)