Home Insurance in Woodland, Washington
With a median home value of $438,800, Woodland is 10% higher than the Cowlitz County median.
The typical home in Woodland was built around 1995. About 8% of homes were built before 1960, about 23 points below Cowlitz County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Woodland is 71% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Woodland, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Woodland are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Woodland - 64% - are primarily heated with electricity.
Cowlitz County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $438,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)