Home Insurance in Colfax, Washington
With a median home value of $245,300, Colfax is 32% lower than the Whitman County median.
The typical home in Colfax was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 31 points above Whitman County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Colfax is 56% single-family homes, 19% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Colfax carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Colfax are owner-occupied.
In Colfax, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Colfax? FEMA's National Risk Index points to wildfire (Relatively Low) in Whitman County and Whitman County had 67 active NFIP flood policies as of September 2026. See the full Whitman County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $245,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Whitman County | 67 |
| 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)