Home Insurance in Whitman County, Washington
With a median home value of $359,600, Whitman County is 36% lower than the Washington median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Whitman County was built around 1977. About 27% of homes were built before 1960, about 7 points above Washington's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Whitman County is 48% single-family homes, 33% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Whitman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Whitman County has an owner-occupancy rate of 47% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Whitman County, 57% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), inland flooding (Relatively Low) and earthquake (Very Low) as the leading hazards for Whitman County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Whitman County has 67 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $359,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
- Colfax
- Colton
- Endicott
- Farmington
- Garfield
- LaCrosse
- Lamont
- Malden
- Oakesdale
- Palouse
- Pullman
- Rosalia
- St. John
- Uniontown
Smaller communities
-
Albion
- Median home value: $230,700
- Median year built: 1974
- Owner-occupied share: 47%
-
Tekoa
- Median home value: $211,900
- Median year built: 1962
- Owner-occupied share: 62%
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)