Home Insurance in San Juan County, Washington
The median home value in San Juan County is $799,200, 42% higher than the Washington median.
The typical home in San Juan County was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 10 points below Washington's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Juan County is 89% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 50% of owner-occupied homes in San Juan County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in San Juan County are owner-occupied. The vacancy rate is 36%; 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. Most homes in San Juan County - 62% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), winter weather (Relatively Low) and coastal flooding (Relatively Low) as the leading hazards for San Juan County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, San Juan County has 111 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $799,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Low), Coastal Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
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)