Home Insurance in Lamont, Washington
Homes in Lamont carry a median value of $102,100 - 72% lower than the Whitman County median.
The typical home in Lamont was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 14 points above Whitman County's 27%.
In Lamont, the housing stock is 52% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Lamont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Lamont are owner-occupied.
91% of homes in Lamont are primarily heated with electricity.
What's the biggest home insurance risk near Lamont? 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.
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 | $102,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)