Home Insurance in Conconully, Washington
With a median home value of $219,400, Conconully is 27% lower than the Okanogan County median.
The typical home in Conconully was built around 1991. About 26% of homes were built before 1960, about 3 points above Okanogan County's 23%. 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 Conconully is 77% single-family homes and 18% mobile or manufactured homes.
In Conconully, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Conconully has an owner-occupancy rate of 86% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Conconully 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.
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 | $219,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)