Home Insurance in Entiat, Washington
The median home value in Entiat is $364,500, 26% lower than the Chelan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Entiat was built around 1986. About 27% of homes were built before 1960, in line with Chelan County (26%).
In Entiat, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Entiat have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Entiat are owner-occupied.
Most homes in Entiat - 99% - are primarily heated with electricity.
FEMA rates Chelan County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Chelan County had 503 active NFIP flood policies as of September 2026. See the full Chelan 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 | $364,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Chelan County | 503 |
| 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)