Home Insurance in Airway Heights, Washington
The median home value in Airway Heights is $348,500, 15% lower than the Spokane County median.
The typical home in Airway Heights was built around 2011. About 7% of homes were built before 1960, about 23 points below Spokane County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Airway Heights, the housing stock is 35% single-family homes, 48% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 79% of owner-occupied homes in Airway Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Airway Heights has an owner-occupancy rate of 29% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Airway Heights, 73% of homes are primarily heated with electricity.
Spokane County had 273 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Spokane County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $348,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Spokane County | 273 |
| 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)