Home Insurance in Raymond, Washington
The median home value in Raymond is $267,500, 20% lower than the Pacific County median.
The typical home in Raymond was built around 1965. About 47% of homes were built before 1960, about 19 points above Pacific County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Raymond, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 10% 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 Raymond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Raymond are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Raymond - 83% - are primarily heated with electricity. Homes heated with wood 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 Raymond? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Pacific County and Pacific County had 425 active NFIP flood policies as of September 2026. See the full Pacific County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $267,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Pacific County | 425 |
| 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)