Home Insurance in Latah, Washington
The median home value in Latah is $175,000, 57% lower than the Spokane County median.
The median home in Latah was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 37 points above Spokane County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Latah is 88% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 64% of owner-occupied homes in Latah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Latah has an owner-occupancy rate of 92% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Latah, 48% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $175,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)