Home Insurance in Sequim, Washington
The median home value in Sequim is $408,700, close to the Clallam County median.
The typical home in Sequim was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 9 points below Clallam County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sequim is 60% single-family homes, 23% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
42% of owner-occupied homes in Sequim carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Sequim are owner-occupied.
94% of homes in Sequim are primarily heated with electricity.
Clallam County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Clallam County had 304 active NFIP flood policies as of September 2026. 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 | $408,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)