Home Insurance in Cusick, Washington
Homes in Cusick carry a median value of $133,300 - 64% lower than the Pend Oreille County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cusick was built around 2002. About 23% of homes were built before 1960, about 2 points above Pend Oreille County's 22%.
The housing stock in Cusick is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cusick, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cusick has an owner-occupancy rate of 59% and a vacancy rate of 66%; unoccupied homes typically need a different coverage form.
Most homes in Cusick - 73% - 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.
FEMA rates Pend Oreille County's overall risk as Very Low, led by wildfire (Relatively Low). Pend Oreille County had 90 active NFIP flood policies as of September 2026. See the full Pend Oreille 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 | $133,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Pend Oreille County | 90 |
| 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)