Home Insurance in Anacortes, Washington
Homes in Anacortes carry a median value of $696,700 - 28% higher than the Skagit County median.
The typical home in Anacortes was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 2 points above Skagit County's 22%.
Housing in Anacortes breaks down to 81% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Anacortes, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Anacortes are owner-occupied.
70% of homes in Anacortes are primarily heated with natural gas.
Skagit County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Skagit County had 2,986 active NFIP flood policies as of September 2026. See the full Skagit 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 | $696,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Skagit County | 2,986 |
| 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)