Home Insurance in Stanwood, Washington
The median home value in Stanwood is $593,100, 15% lower than the Snohomish County median.
The typical home in Stanwood was built around 2001. About 9% of homes were built before 1960, about 2 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.
Housing in Stanwood breaks down to 68% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
72% of owner-occupied homes in Stanwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stanwood has an owner-occupancy rate of 62% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Stanwood, 56% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $593,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)