Home Insurance in Yakima County, Washington
The median home value in Yakima County is $310,100, 45% lower than the Washington median.
The typical home in Yakima County was built around 1977. About 30% of homes were built before 1960, about 9 points above Washington's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Yakima County, the housing stock is 69% single-family homes, 11% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Yakima County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Yakima County has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
68% of homes in Yakima County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively High), earthquake (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Yakima County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Yakima County has 802 active NFIP flood policies on file.
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 | $310,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 802 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
- Grandview
- Granger
- Harrah
- Mabton
- Moxee
- Naches
- Selah
- Sunnyside
- Tieton
- Toppenish
- Union Gap
- Wapato
- Yakima
- Zillah
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)