Home Insurance in Blaine, Washington
Homes in Blaine carry a median value of $549,600 - 6% lower than the Whatcom County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blaine was built around 1994. About 17% of homes were built before 1960, in line with Whatcom County (18%).
Housing in Blaine breaks down to 79% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 72% of owner-occupied homes in Blaine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Blaine are owner-occupied.
In Blaine, 47% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Blaine? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Whatcom County and Whatcom County had 2,187 active NFIP flood policies as of September 2026. See the full Whatcom 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 | $549,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Whatcom County | 2,187 |
| 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)