Home Insurance in Mill Creek, Washington
Homes in Mill Creek carry a median value of $903,800 - 30% higher than the Snohomish County median.
The typical home in Mill Creek was built around 1995. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 11 points below Snohomish County's 12%.
The housing stock in Mill Creek is 59% single-family homes and 38% apartments in buildings with 5+ units.
In Mill Creek, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mill Creek has an owner-occupancy rate of 59% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Mill Creek - 57% - are primarily heated with natural gas.
Snohomish County had 2,102 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $903,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)