Home Insurance in Mount Vernon, Washington
With a median home value of $472,300, Mount Vernon is 13% lower than the Skagit County median.
The typical home in Mount Vernon was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 4 points below Skagit County's 22%.
In Mount Vernon, the housing stock is 66% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Mount Vernon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Mount Vernon are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mount Vernon, 51% of homes 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.
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 | $472,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)