Home Insurance in Rock Island, Washington
Homes in Rock Island carry a median value of $273,500 - 37% lower than the Douglas County median.
The typical home in Rock Island was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 9 points below Douglas County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rock Island is 63% single-family homes and 35% mobile or manufactured homes.
In Rock Island, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Rock Island are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Rock Island are primarily heated with electricity.
Douglas County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $273,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Douglas County | 36 |
| 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)