Home Insurance in Kennewick, Washington
Homes in Kennewick carry a median value of $370,700 - 9% lower than the Benton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kennewick was built around 1979. About 16% of homes were built before 1960, about 2 points below Benton County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kennewick is 62% single-family homes, 22% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Kennewick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Kennewick are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kennewick - 78% - are primarily heated with electricity.
FEMA rates Benton County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). 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 | $370,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)