Home Insurance in Davenport, Washington
The median home value in Davenport is $315,900, 8% higher than the Lincoln County median.
The typical home in Davenport was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 14 points above Lincoln County's 40%.
In Davenport, the housing stock is 84% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
64% of owner-occupied homes in Davenport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Davenport are owner-occupied.
65% of homes in Davenport are primarily heated with natural gas.
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 | $315,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)