Home Insurance in North Bonneville, Washington
The median home value in North Bonneville is $445,900, 16% lower than the Skamania County median.
The typical home in North Bonneville was built around 1992. About 9% of homes were built before 1960, about 8 points below Skamania County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in North Bonneville is 67% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 73% of owner-occupied homes in North Bonneville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in North Bonneville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in North Bonneville are primarily heated with electricity.
Skamania County had 24 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Skamania County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $445,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Skamania County | 24 |
| 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)