Home Insurance in Gold Bar, Washington
Homes in Gold Bar carry a median value of $455,400 - 35% lower than the Snohomish County median.
The typical home in Gold Bar was built around 1994. About 7% of homes were built before 1960, about 4 points below Snohomish County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gold Bar is 78% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Gold Bar, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gold Bar has an owner-occupancy rate of 91% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Gold Bar - 54% - are primarily heated with electricity.
FEMA rates Snohomish County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $455,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)