Home Insurance in Stevens County, Washington
Homes in Stevens County carry a median value of $350,600 - 38% lower than the Washington median.
The typical home in Stevens County was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 2 points below Washington's 20%.
The housing stock in Stevens County is 75% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Stevens County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stevens County has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Stevens County, 43% of homes are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Moderate), inland flooding (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Stevens County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Stevens County has 58 active NFIP flood policies on file.
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 | $350,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 58 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Chewelah
- Median home value: $267,400
- Median year built: 1976
- Owner-occupied share: 68%
-
Colville
- Median home value: $281,500
- Median year built: 1968
- Owner-occupied share: 57%
-
Marcus
- Median home value: $169,400
- Median year built: 1950
- Owner-occupied share: 87%
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)