Home Insurance in Clark County, Washington
Homes in Clark County carry a median value of $522,900 - 7% lower than the Washington median.
The typical home in Clark County was built around 1993. About 11% of homes were built before 1960, about 9 points below Washington's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clark County is 73% single-family homes, 18% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 69% of owner-occupied homes in Clark County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clark County has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Clark County, 62% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Clark County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Clark County had 848 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $522,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 848 |
| 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)