Home Insurance in Yarrow Point, Washington
Homes in Yarrow Point carry a median value of $2,000,000+.
The typical home in Yarrow Point was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 2 points above King County's 23%.
Housing in Yarrow Point breaks down to 100% single-family homes.
About 54% of owner-occupied homes in Yarrow Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Yarrow Point are owner-occupied.
In Yarrow Point, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Yarrow Point? FEMA's National Risk Index points to earthquake (Very High) in King County and 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 | $2,000,000+ |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)