Home Insurance in Snoqualmie, Washington
With a median home value of $977,200, Snoqualmie is 14% higher than the King County median.
The typical home in Snoqualmie was built around 2005. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 13 points below King County's 23%.
In Snoqualmie, the housing stock is 90% single-family homes and 5% apartments in buildings with 5+ units.
About 84% of owner-occupied homes in Snoqualmie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Snoqualmie are owner-occupied.
64% of homes in Snoqualmie are primarily heated with natural gas.
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 | $977,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)