HomeInsuranceQts

Home Insurance in La Conner, Washington

With a median home value of $553,200, La Conner is close to the Skagit County median.

The typical home in La Conner was built around 1983. About 36% of homes were built before 1960, about 14 points above Skagit County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

Housing in La Conner breaks down to 59% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In La Conner, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in La Conner are owner-occupied.

52% of homes in La Conner are primarily heated with natural gas.

FEMA rates Skagit County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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.

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$553,200
Median year built1983
Owner-occupied share57%
Share of owner-occupied homes with a mortgage52%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Skagit County2,986
Home insurance premium$1,232 - statewide average (NAIC, 2023 data)
Key home insurance figures for La Conner, WA

Nearby towns

Sources

Data last updated: 2026-09-29