Home Insurance in Port Angeles, Washington
Homes in Port Angeles carry a median value of $370,200 - 12% lower than the Clallam County median.
The typical home in Port Angeles was built around 1968. About 43% of homes were built before 1960, about 23 points above Clallam County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Port Angeles, the housing stock is 72% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
62% of owner-occupied homes in Port Angeles carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Port Angeles are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Angeles, 92% of homes are primarily heated with electricity.
Clallam County had 304 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Clallam County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $370,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clallam County | 304 |
| 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)