Home Insurance in Carbonado, Washington
Homes in Carbonado carry a median value of $452,700 - 14% lower than the Pierce County median.
The typical home in Carbonado was built around 1974. About 43% of homes were built before 1960, about 23 points above Pierce County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Carbonado is 97% single-family homes and 3% mobile or manufactured homes.
About 93% of owner-occupied homes in Carbonado have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Carbonado are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Carbonado are primarily heated with electricity.
FEMA rates Pierce County's overall risk as Relatively High, led by earthquake (Relatively High). Pierce County had 2,517 active NFIP flood policies as of September 2026. See the full Pierce County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $452,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 93% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Pierce County | 2,517 |
| 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)