Home Insurance in Skagit County, Washington
The median home value in Skagit County is $545,100, close to the Washington median.
The typical home in Skagit County was built around 1986. About 22% of homes were built before 1960, about 1 point above Washington's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Skagit County, the housing stock is 76% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Skagit County, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Skagit County has an owner-occupancy rate of 70% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
43% of homes in Skagit County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), coastal flooding (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Skagit County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Skagit County had 2,986 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $545,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Coastal Flooding (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,986 |
| 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)