Home Insurance in Hartline, Washington
Homes in Hartline carry a median value of $186,100 - 38% lower than the Grant County median.
The median home in Hartline was built in 1939 or earlier. About 63% of homes were built before 1960, about 40 points above Grant County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hartline, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hartline, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hartline has an owner-occupancy rate of 88% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Hartline - 88% - 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.
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 | $186,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)