Home Insurance in Battle Ground, Washington
With a median home value of $485,100, Battle Ground is 7% lower than the Clark County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Battle Ground was built around 2003. About 4% of homes were built before 1960, about 8 points below Clark County's 11%.
Housing in Battle Ground breaks down to 79% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Battle Ground, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Battle Ground are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Battle Ground - 54% - are primarily heated with electricity.
Clark County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Clark County had 848 active NFIP flood policies as of September 2026. See the full Clark 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 | $485,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clark County | 848 |
| 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)