Home Insurance in Bucoda, Washington
With a median home value of $270,000, Bucoda is 44% lower than the Thurston County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bucoda was built around 1973. About 43% of homes were built before 1960, about 32 points above Thurston County's 11%.
In Bucoda, the housing stock is 81% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Bucoda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Bucoda are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bucoda - 72% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Thurston County's overall risk as Relatively High, led by earthquake (Relatively High). Thurston County had 752 active NFIP flood policies as of September 2026. See the full Thurston County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $270,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Thurston County | 752 |
| 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)