Home Insurance in Almira, Washington
The median home value in Almira is $204,000, 30% lower than the Lincoln County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Almira was built around 1952. About 73% of homes were built before 1960, about 33 points above Lincoln County's 40%.
In Almira, the housing stock is 82% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Almira carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Almira has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Almira, 69% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lincoln County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Lincoln County had 37 active NFIP flood policies as of September 2026. See the full Lincoln County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $204,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 37 |
| 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)