Home Insurance in Prosser, Washington
With a median home value of $314,000, Prosser is 23% lower than the Benton County median.
The typical home in Prosser was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 15 points above Benton County's 18%.
In Prosser, the housing stock is 63% single-family homes, 22% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Prosser carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Prosser has an owner-occupancy rate of 54% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Prosser - 86% - 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.
In Washington, the statewide average premium for a standard HO-3 homeowners policy is $1,232 per year (NAIC, 2023 data).
Key figures
| Median home value | $314,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)