Home Insurance in Harrington, Washington
The median home value in Harrington is $258,500, 12% lower than the Lincoln County median.
The typical home in Harrington was built around 1951. About 55% of homes were built before 1960, about 15 points above Lincoln County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harrington is 79% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 51% of owner-occupied homes in Harrington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harrington has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Harrington - 58% - are primarily heated with natural gas.
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.
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 | $258,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)