Home Insurance in Elma, Washington
The median home value in Elma is $409,600, 30% higher than the Grays Harbor County median.
The typical home in Elma was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 5 points above Grays Harbor County's 34%.
In Elma, the housing stock is 76% single-family homes, 6% apartments in buildings with 5+ units and 7% 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.
In Elma, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Elma are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Elma, 68% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Elma? FEMA's National Risk Index points to coastal flooding (Very High) in Grays Harbor County and Grays Harbor County had 1,694 active NFIP flood policies as of September 2026. 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.
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 | $409,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)