Home Insurance in Camas, Washington
The median home value in Camas is $711,700, 36% higher than the Clark County median.
The typical home in Camas was built around 2001. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 7 points above Clark County's 11%.
In Camas, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
75% of owner-occupied homes in Camas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Camas has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Camas, 61% of homes are primarily heated with natural gas.
Clark County had 848 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $711,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)