Home Insurance in Stevenson, Washington
The median home value in Stevenson is $496,500, 6% lower than the Skamania County median.
The typical home in Stevenson was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 13 points above Skamania County's 17%.
In Stevenson, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 3% 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 53% of owner-occupied homes in Stevenson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Stevenson are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Stevenson are primarily heated with electricity.
FEMA rates Skamania County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Skamania County had 24 active NFIP flood policies as of September 2026. 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 | $496,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)