Home Insurance in Vancouver, Washington
The median home value in Vancouver is $462,400, 12% lower than the Clark County median.
The typical home in Vancouver was built around 1988. About 15% of homes were built before 1960, about 4 points above Clark County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Vancouver breaks down to 58% single-family homes, 29% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Vancouver have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Vancouver are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Vancouver, 68% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Vancouver? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Clark County and 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 | $462,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)