Home Insurance in Benton City, Washington
Homes in Benton City carry a median value of $355,200 - 13% lower than the Benton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Benton City was built around 1998. About 10% of homes were built before 1960, about 8 points below Benton County's 18%.
The housing stock in Benton City is 67% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Benton City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Benton City has an owner-occupancy rate of 72% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Benton City, 91% of homes are primarily heated with electricity.
Benton County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Benton County had 204 active NFIP flood policies as of September 2026. See the full Benton 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 | $355,200 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Benton County | 204 |
| 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)