Home Insurance in Napavine, Washington
The median home value in Napavine is $419,100, 9% higher than the Lewis 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 Napavine was built around 1994. About 5% of homes were built before 1960, about 22 points below Lewis County's 26%.
The housing stock in Napavine is 87% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Napavine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Napavine are owner-occupied.
In Napavine, 89% of homes 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.
Lewis County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $419,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)