Home Insurance in Pacific County, Washington
Homes in Pacific County carry a median value of $334,800 - 41% lower than the Washington median.
The typical home in Pacific County was built around 1979. About 28% of homes were built before 1960, about 8 points above Washington's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pacific County is 74% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Pacific County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pacific County has an owner-occupancy rate of 82% and a vacancy rate of 33%; 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. Most homes in Pacific County - 78% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), coastal flooding (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Pacific County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pacific County has 425 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $334,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Coastal Flooding (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 425 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
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)