Home Insurance in Carnation, Washington
With a median home value of $875,000, Carnation is close to the King County median.
The typical home in Carnation was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 8 points below King County's 23%.
Housing in Carnation breaks down to 88% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 83% of owner-occupied homes in Carnation have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carnation has an owner-occupancy rate of 81% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Carnation - 50% - are primarily heated with electricity.
King County's top FEMA-rated hazard is earthquake (Very High), per FEMA's National Risk Index. King County had 6,820 active NFIP flood policies as of September 2026. See the full King County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $875,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Earthquake (Very High) |
| Active NFIP policies in King County | 6,820 |
| 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)