Home Insurance in Clallam County, Washington
Homes in Clallam County carry a median value of $421,800 - 25% lower than the Washington median.
The typical home in Clallam County was built around 1982. About 20% of homes were built before 1960, in line with Washington (20%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clallam County is 75% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
50% of owner-occupied homes in Clallam County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Clallam County are owner-occupied.
86% of homes in Clallam County are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), winter weather (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Clallam County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Clallam County has 304 active NFIP flood policies on file.
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 | $421,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 304 |
| 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)