Home Insurance in Yelm, Washington
Homes in Yelm carry a median value of $455,300 - 5% 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 Yelm was built around 2004. About 7% of homes were built before 1960, about 5 points below Thurston County's 11%.
In Yelm, the housing stock is 80% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Yelm, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Yelm are owner-occupied.
Most homes in Yelm - 58% - 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.
In Washington, the statewide average premium for a standard HO-3 homeowners policy is $1,232 per year (NAIC, 2023 data).
Key figures
| Median home value | $455,300 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)