Home Insurance in Leavenworth, Washington
Homes in Leavenworth carry a median value of $617,000 - 26% higher than the Chelan County median.
The typical home in Leavenworth was built around 1984. About 28% of homes were built before 1960, about 1 point above Chelan County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Leavenworth is 54% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Leavenworth, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leavenworth has an owner-occupancy rate of 52% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Leavenworth - 97% - are primarily heated with electricity.
Chelan County had 503 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Chelan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $617,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)