Home Insurance in Grand Coulee, Washington
The median home value in Grand Coulee is $222,000, 26% lower than the Grant County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Grand Coulee was built around 1963. About 47% of homes were built before 1960, about 25 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 Grand Coulee is 65% single-family homes, 17% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Grand Coulee, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Grand Coulee are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
98% of homes in Grand Coulee are primarily heated with electricity.
Grant County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
In Washington, the statewide average premium for a standard HO-3 homeowners policy is $1,232 per year (NAIC, 2023 data).
Key figures
| Median home value | $222,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)