Home Insurance in Tumwater, Washington
The median home value in Tumwater is $472,200, close to 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 Tumwater was built around 1995. About 11% of homes were built before 1960, in line with Thurston County (11%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tumwater is 70% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
68% of owner-occupied homes in Tumwater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Tumwater are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tumwater - 53% - are primarily heated with electricity.
Thurston County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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 | $472,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)