Home Insurance in Metaline Falls, Washington
With a median home value of $281,300, Metaline Falls is 24% lower than the Pend Oreille County median.
The median home in Metaline Falls was built in 1939 or earlier. About 77% of homes were built before 1960, about 55 points above Pend Oreille County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Metaline Falls breaks down to 68% single-family homes and 28% apartments in buildings with 5+ units.
In Metaline Falls, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 44% of occupied homes in Metaline Falls are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Metaline Falls are primarily heated with electricity.
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 | $281,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)