Home Insurance in Ridgefield, Washington
The median home value in Ridgefield is $613,500, 17% higher 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 Ridgefield was built around 2012. About 5% of homes were built before 1960, about 6 points below Clark County's 11%.
In Ridgefield, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 83% of owner-occupied homes in Ridgefield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Ridgefield are owner-occupied.
Most homes in Ridgefield - 55% - 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.
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 | $613,500 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)