Home Insurance in Aberdeen, Washington
Homes in Aberdeen carry a median value of $237,300 - 24% lower than the Grays Harbor County median.
The typical home in Aberdeen was built around 1948. About 61% of homes were built before 1960, about 27 points above Grays Harbor County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Aberdeen is 69% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Aberdeen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Aberdeen has an owner-occupancy rate of 57% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Aberdeen, 76% of homes are primarily heated with electricity.
Grays Harbor County had 1,694 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). See the full Grays Harbor County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $237,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Grays Harbor County | 1,694 |
| 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)