Home Insurance in Goldendale, Washington
The median home value in Goldendale is $199,300, 53% lower than the Klickitat County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Goldendale was built around 1967. About 46% of homes were built before 1960, about 18 points above Klickitat County's 28%.
In Goldendale, the housing stock is 64% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Goldendale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Goldendale has an owner-occupancy rate of 52% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
63% of homes in Goldendale are primarily heated with electricity.
Klickitat County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Klickitat County had 32 active NFIP flood policies as of September 2026. 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 | $199,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)