Home Insurance in Creston, Washington
The median home value in Creston is $160,000, 45% lower than the Lincoln County median.
The typical home in Creston was built around 1974. About 34% of homes were built before 1960, about 6 points below Lincoln County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Creston is 66% single-family homes, 3% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
About 31% of owner-occupied homes in Creston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Creston has an owner-occupancy rate of 75% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Creston - 63% - 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.
Lincoln County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $160,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)