Home Insurance in Eatonville, Washington
Homes in Eatonville carry a median value of $431,000 - 18% lower than the Pierce County median.
The typical home in Eatonville was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 5 points below Pierce County's 20%.
In Eatonville, the housing stock is 79% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
86% of owner-occupied homes in Eatonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eatonville has an owner-occupancy rate of 79% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Eatonville - 88% - are primarily heated with electricity.
Pierce County had 2,517 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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 | $431,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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)