Home Insurance in Pasco, Washington
The median home value in Pasco is $376,300, close to the Franklin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pasco was built around 2001. About 15% of homes were built before 1960, in line with Franklin County (15%).
In Pasco, the housing stock is 78% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in Pasco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pasco has an owner-occupancy rate of 71% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
63% of homes in Pasco 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.
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 | $376,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)