Home Insurance in Snohomish, Washington
With a median home value of $683,900, Snohomish is close to the Snohomish County median.
The typical home in Snohomish was built around 1978. About 29% of homes were built before 1960, about 17 points above Snohomish County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Snohomish is 63% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Snohomish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Snohomish are owner-occupied.
In Snohomish, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Snohomish? FEMA's National Risk Index points to earthquake (Relatively High) in Snohomish County and 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.
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 | $683,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 55% |
| 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)