Home Insurance in Arlington, Washington
With a median home value of $538,800, Arlington is 23% lower than the Snohomish County median.
The typical home in Arlington was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, in line with Snohomish County (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arlington is 68% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Arlington, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Arlington are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Arlington - 51% - are primarily heated with natural gas.
Snohomish County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Snohomish County had 2,102 active NFIP flood policies as of September 2026. See the full Snohomish 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 | $538,800 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Snohomish County | 2,102 |
| 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)