Home Insurance in Chehalis, Washington
Homes in Chehalis carry a median value of $372,900 - close to the Lewis County median.
The typical home in Chehalis was built around 1965. About 45% of homes were built before 1960, about 19 points above Lewis County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Chehalis, the housing stock is 64% single-family homes and 29% apartments in buildings with 5+ units.
In Chehalis, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chehalis has an owner-occupancy rate of 53% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
70% of homes in Chehalis are primarily heated with electricity.
FEMA rates Lewis County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Lewis County had 1,213 active NFIP flood policies as of September 2026. See the full Lewis County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $372,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lewis County | 1,213 |
| 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)