Home Insurance in Pacific, Washington
Homes in Pacific carry a median value of $489,100 - 43% lower than the King County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pacific was built around 1987. About 15% of homes were built before 1960, about 8 points below King County's 23%.
In Pacific, the housing stock is 67% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pacific, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Pacific are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Pacific 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.
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 | $489,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)