Home Insurance in Douglas County, Washington
The median home value in Douglas County is $432,500, 23% lower than the Washington median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Douglas County was built around 1988. About 20% of homes were built before 1960, in line with Washington (20%).
The housing stock in Douglas County is 70% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Douglas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Douglas County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Douglas County - 95% - are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Moderate), inland flooding (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Douglas County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Douglas County has 36 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $432,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 36 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
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)