Home Insurance in Coulee City, Washington
With a median home value of $165,500, Coulee City is 45% lower than the Grant County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Coulee City was built in 1939 or earlier. About 67% of homes were built before 1960, about 45 points above Grant County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coulee City is 81% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 42% of owner-occupied homes in Coulee City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Coulee City are owner-occupied.
92% of homes in Coulee City are primarily heated with electricity.
FEMA rates Grant County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Grant County had 214 active NFIP flood policies as of September 2026. See the full Grant 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 | $165,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Grant County | 214 |
| 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)