Home Insurance in Ellensburg, Washington
Homes in Ellensburg carry a median value of $404,100 - 19% lower than the Kittitas County median.
The typical home in Ellensburg was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 1 point above Kittitas County's 18%.
The housing stock in Ellensburg is 48% single-family homes, 32% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ellensburg, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 33% of occupied homes in Ellensburg are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ellensburg, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ellensburg? FEMA's National Risk Index points to wildfire (Relatively High) in Kittitas County and Kittitas County had 574 active NFIP flood policies as of September 2026. See the full Kittitas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $404,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Kittitas County | 574 |
| 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)