Home Insurance in Connell, Washington
With a median home value of $313,600, Connell is 17% lower than the Franklin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Connell was built around 1974. About 22% of homes were built before 1960, about 7 points above Franklin County's 15%.
In Connell, the housing stock is 71% single-family homes, 8% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Connell, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Connell has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Connell - 78% - are primarily heated with electricity.
Franklin County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Franklin County had 20 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $313,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Franklin County | 20 |
| 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)