Home Insurance in Orting, Washington
With a median home value of $493,100, Orting is 6% lower than the Pierce County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Orting was built around 2003. About 15% of homes were built before 1960, about 5 points below Pierce County's 20%.
In Orting, the housing stock is 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
81% of owner-occupied homes in Orting carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Orting has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Orting - 57% - are primarily heated with natural gas.
Pierce County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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.
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 | $493,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)