Home Insurance in Mesa, Washington
With a median home value of $256,700, Mesa is 32% lower than the Franklin County median.
The typical home in Mesa was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 7 points above Franklin County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mesa is 67% single-family homes and 33% mobile or manufactured homes.
About 74% of owner-occupied homes in Mesa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Mesa are owner-occupied.
In Mesa, 100% of homes are primarily heated with electricity.
FEMA rates Franklin County's overall risk as Relatively Low, led by wildfire (Relatively Low). 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.
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 | $256,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)