Home Insurance in Wilson Creek, Washington
With a median home value of $162,500, Wilson Creek is 46% lower than the Grant County median.
The typical home in Wilson Creek was built around 1950. About 60% of homes were built before 1960, about 38 points above Grant County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilson Creek is 66% single-family homes, 3% apartments in buildings with 5+ units and 31% mobile or manufactured homes.
37% of owner-occupied homes in Wilson Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wilson Creek has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Wilson Creek - 89% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Wilson Creek? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Grant County and 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 | $162,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)