Home Insurance in Snohomish County, Washington
Homes in Snohomish County carry a median value of $696,000 - 23% higher than the Washington median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Snohomish County was built around 1990. About 12% of homes were built before 1960, about 9 points below Washington's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Snohomish County is 69% single-family homes, 21% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
72% of owner-occupied homes in Snohomish County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Snohomish County are owner-occupied.
53% of homes in Snohomish County are primarily heated with electricity.
Per FEMA's National Risk Index, Snohomish County's top hazards are earthquake (Relatively High), inland flooding (Relatively High) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Snohomish County had 2,102 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $696,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 2,102 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arlington
- Brier
- Darrington
- Edmonds
- Everett
- Gold Bar
- Granite Falls
- Index
- Lake Stevens
- Lynnwood
- Marysville
- Mill Creek
- Monroe
- Mukilteo
- Snohomish
- Stanwood
- Sultan
Smaller communities
-
Mountlake Terrace
- Median home value: $667,300
- Median year built: 1973
- Owner-occupied share: 57%
-
Woodway
- Median home value: $2,000,000+
- Median year built: 1984
- Owner-occupied share: 97%
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)