Home Insurance in La Center, Washington
With a median home value of $584,600, La Center is 12% higher than the Clark County median.
The typical home in La Center was built around 1998. About 6% of homes were built before 1960, about 5 points below Clark County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in La Center is 84% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in La Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
La Center has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in La Center - 54% - are primarily heated with natural gas.
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 | $584,600 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)