Home Insurance in McCleary, Washington
The median home value in McCleary is $351,700, 12% higher than the Grays Harbor County median.
The typical home in McCleary was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 6 points below Grays Harbor County's 34%.
The housing stock in McCleary is 81% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
78% of owner-occupied homes in McCleary carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McCleary has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In McCleary, 72% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McCleary? 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.
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 | $351,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)