Home Insurance in Coupeville, Washington
With a median home value of $561,000, Coupeville is 5% lower than the Island County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coupeville was built around 1989. About 16% of homes were built before 1960, about 4 points above Island County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coupeville is 73% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 50% of owner-occupied homes in Coupeville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Coupeville has an owner-occupancy rate of 73% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Coupeville - 75% - 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.
Island County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Island County had 965 active NFIP flood policies as of September 2026. See the full Island County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $561,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Island County | 965 |
| 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)