Home Insurance in Port Orchard, Washington
With a median home value of $539,700, Port Orchard is close to the Kitsap County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Port Orchard was built around 1999. About 13% of homes were built before 1960, about 5 points below Kitsap County's 17%.
In Port Orchard, the housing stock is 70% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 81% of owner-occupied homes in Port Orchard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Port Orchard are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Orchard, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Port Orchard? FEMA's National Risk Index points to earthquake (Relatively High) in Kitsap County and Kitsap County had 897 active NFIP flood policies as of September 2026. See the full Kitsap 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 | $539,700 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Kitsap County | 897 |
| 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)