Home Insurance in College Place, Washington
The median home value in College Place is $366,600, 10% lower than the Walla Walla 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 College Place was built around 1982. About 19% of homes were built before 1960, about 17 points below Walla Walla County's 36%.
In College Place, the housing stock is 60% single-family homes, 13% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In College Place, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
College Place has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
62% of homes in College Place are primarily heated with electricity.
What's the biggest home insurance risk near College Place? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Walla Walla County and Walla Walla County had 149 active NFIP flood policies as of September 2026. See the full Walla Walla 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 | $366,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Walla Walla County | 149 |
| 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)