Home Insurance in Roslyn, Washington
With a median home value of $565,200, Roslyn is 14% higher than the Kittitas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Roslyn was built in 1939 or earlier. About 72% of homes were built before 1960, about 54 points above Kittitas County's 18%.
The housing stock in Roslyn is 93% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 67% of owner-occupied homes in Roslyn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Roslyn has an owner-occupancy rate of 68% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Roslyn, 28% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Kittitas County's overall risk as Relatively Moderate, led by wildfire (Relatively High). 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.
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 | $565,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)