Home Insurance in Westport, Washington
Homes in Westport carry a median value of $196,600 - 37% lower than the Grays Harbor County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Westport was built around 1980. About 23% of homes were built before 1960, about 11 points below Grays Harbor County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Westport is 66% single-family homes, 16% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 47% of owner-occupied homes in Westport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Westport are owner-occupied.
Most homes in Westport - 86% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Grays Harbor County's overall risk as Relatively High, led by coastal flooding (Very High). 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 | $196,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)