Home Insurance in Montesano, Washington
With a median home value of $354,300, Montesano is 13% higher than the Grays Harbor County median.
The typical home in Montesano was built around 1973. About 38% of homes were built before 1960, about 4 points above Grays Harbor County's 34%. 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 Montesano is 67% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Montesano have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Montesano are owner-occupied.
In Montesano, 82% 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.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $354,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| 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)