Home Insurance in Thurston County, Washington
The median home value in Thurston County is $480,300, 15% lower than the Washington median.
The typical home in Thurston County was built around 1991. About 11% of homes were built before 1960, about 9 points below 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 Thurston County is 71% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
66% of owner-occupied homes in Thurston County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Thurston County has an owner-occupancy rate of 68% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Thurston County, 60% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively High), inland flooding (Relatively Moderate) and coastal flooding (Relatively Low) as the leading hazards for Thurston County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Thurston County had 752 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $480,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively Moderate), Coastal Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 752 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
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)