Home Insurance in Tenino, Washington
Homes in Tenino carry a median value of $369,000 - 23% lower than the Thurston County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tenino was built around 1980. About 28% of homes were built before 1960, about 17 points above Thurston County's 11%.
The housing stock in Tenino is 75% single-family homes, 10% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 78% of owner-occupied homes in Tenino have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tenino has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 89% of homes in Tenino are primarily heated with electricity.
Thurston County had 752 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $369,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)