Home Insurance in Grant County, Washington
Homes in Grant County carry a median value of $299,500 - 47% lower than the Washington median.
The typical home in Grant County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 2 points above Washington's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grant County is 62% single-family homes, 9% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 57% of owner-occupied homes in Grant County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grant County has an owner-occupancy rate of 66% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
94% of homes in Grant County are primarily heated with electricity.
The top hazards for Grant County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), earthquake (Relatively Low) and inland flooding (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Grant County has 214 active NFIP flood policies on file.
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 | $299,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 214 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
- Coulee City
- Electric City
- Ephrata
- Grand Coulee
- Hartline
- Krupp
- Moses Lake
- Quincy
- Royal City
- Soap Lake
- Warden
- Wilson Creek
Smaller communities
-
George
- Median home value: $155,000
- Median year built: 1988
- Owner-occupied share: 32%
-
Mattawa
- Median year built: 1993
- Owner-occupied share: 25%
- Share of owner-occupied homes with a mortgage: 39%
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)