Home Insurance in Longview, Washington
Homes in Longview carry a median value of $361,600 - 9% lower than the Cowlitz County median.
The typical home in Longview was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 11 points above Cowlitz County's 30%.
In Longview, the housing stock is 64% single-family homes, 25% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Longview, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Longview are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Longview, 92% of homes are primarily heated with electricity.
FEMA rates Cowlitz County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Cowlitz County had 926 active NFIP flood policies as of September 2026. See the full Cowlitz County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $361,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Cowlitz County | 926 |
| 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)