Home Insurance in Poulsbo, Washington
With a median home value of $620,100, Poulsbo is 12% higher than the Kitsap County median.
The typical home in Poulsbo was built around 1996. About 10% of homes were built before 1960, about 8 points below Kitsap County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Poulsbo is 69% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Poulsbo, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Poulsbo has an owner-occupancy rate of 59% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
56% of homes in Poulsbo are primarily heated with electricity.
What's the biggest home insurance risk near Poulsbo? 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.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $620,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)