Home Insurance in Brewster, Washington
Homes in Brewster carry a median value of $239,600 - 20% lower than the Okanogan County median.
The typical home in Brewster was built around 1973. About 39% of homes were built before 1960, about 17 points above Okanogan County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brewster, the housing stock is 47% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Brewster have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brewster has an owner-occupancy rate of 45% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
91% of homes in Brewster are primarily heated with electricity.
Okanogan County had 199 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Okanogan 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 | $239,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Okanogan County | 199 |
| 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)