Home Insurance in Spokane County, Washington
The median home value in Spokane County is $410,700, 27% lower than the Washington median.
The typical home in Spokane County was built around 1978. About 31% of homes were built before 1960, about 10 points above Washington's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Spokane County is 69% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 65% of owner-occupied homes in Spokane County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Spokane County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Spokane County are primarily heated with natural gas.
Per FEMA's National Risk Index, Spokane County's top hazards are wildfire (Relatively Moderate), inland flooding (Relatively Moderate) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Spokane County has 273 active NFIP flood policies on file.
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 | $410,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 273 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
- Airway Heights
- Cheney
- Deer Park
- Fairfield
- Latah
- Liberty Lake
- Medical Lake
- Millwood
- Rockford
- Spangle
- Spokane
- Spokane Valley
- Waverly
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)