Home Insurance in Chelan County, Washington
The median home value in Chelan County is $490,100, 13% lower than the Washington median.
The typical home in Chelan County was built around 1983. About 26% of homes were built before 1960, about 6 points above Washington's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Chelan County is 70% single-family homes, 12% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chelan County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chelan County has an owner-occupancy rate of 65% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Chelan County - 93% - are primarily heated with electricity.
The top hazards for Chelan County, per FEMA's National Risk Index, are wildfire (Relatively High), inland flooding (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Chelan County has 503 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $490,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 503 |
| 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)