Home Insurance in Fairfield, Washington
Homes in Fairfield carry a median value of $249,100 - 39% lower than the Spokane County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fairfield was built around 1959. About 51% of homes were built before 1960, about 20 points above Spokane County's 31%.
In Fairfield, the housing stock is 85% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairfield, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairfield has an owner-occupancy rate of 86% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Fairfield - 54% - are primarily heated with electricity.
Spokane County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Spokane County had 273 active NFIP flood policies as of September 2026. 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 | $249,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)