Home Insurance in Mossyrock, Washington
The median home value in Mossyrock is $280,400, 27% lower than the Lewis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mossyrock was built around 1974. About 34% of homes were built before 1960, about 8 points above Lewis County's 26%.
In Mossyrock, the housing stock is 59% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mossyrock, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mossyrock has an owner-occupancy rate of 60% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
83% of homes in Mossyrock are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $280,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)