Home Insurance in South Cle Elum, Washington
The median home value in South Cle Elum is $374,300, 25% lower than the Kittitas County median.
The typical home in South Cle Elum was built around 1969. About 39% of homes were built before 1960, about 22 points above Kittitas County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In South Cle Elum, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in South Cle Elum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in South Cle Elum are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in South Cle Elum 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.
What's the biggest home insurance risk near South Cle Elum? 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.
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 | $374,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)