Home Insurance in Malden, Washington
The median home value in Malden is $49,500, 86% lower than the Whitman County median.
The median home in Malden was built in 1939 or earlier. About 62% of homes were built before 1960, about 35 points above Whitman County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Malden is 83% single-family homes. The rest are 2-4 unit or other housing types.
26% of owner-occupied homes in Malden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Malden has an owner-occupancy rate of 100% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Malden are primarily heated with electricity.
FEMA rates Whitman County's overall risk as Very Low, led by wildfire (Relatively Low). 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 | $49,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)