Home Insurance in Bingen, Washington
Homes in Bingen carry a median value of $443,400 - close to the Klickitat County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bingen was built around 1954. About 61% of homes were built before 1960, about 33 points above Klickitat County's 28%.
In Bingen, the housing stock is 83% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
40% of owner-occupied homes in Bingen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Bingen are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 56% of homes in Bingen are primarily heated with natural gas.
Klickitat County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Klickitat 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 | $443,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Klickitat County | 32 |
| 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)