Home Insurance in Roy, Washington
Homes in Roy carry a median value of $442,600 - 16% lower than the Pierce County median.
The typical home in Roy was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 2 points below Pierce County's 20%.
The housing stock in Roy is 82% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roy, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Roy are owner-occupied.
Most homes in Roy - 77% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $442,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)