Home Insurance in Sultan, Washington
The median home value in Sultan is $526,100, 24% lower than the Snohomish County median.
The typical home in Sultan was built around 2002. About 10% of homes were built before 1960, about 1 point below Snohomish County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sultan, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in Sultan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sultan has an owner-occupancy rate of 83% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
49% of homes in Sultan are primarily heated with electricity.
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.
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 | $526,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)