Home Insurance in Omak, Washington
With a median home value of $248,900, Omak is 17% lower than the Okanogan County median.
The typical home in Omak was built around 1976. About 29% of homes were built before 1960, about 6 points above Okanogan County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Omak, the housing stock is 61% single-family homes, 19% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Omak carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Omak has an owner-occupancy rate of 59% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
90% of homes in Omak are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Omak? FEMA's National Risk Index points to wildfire (Relatively High) in Okanogan County and Okanogan County had 199 active NFIP flood policies as of September 2026. See the full Okanogan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $248,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)