Home Insurance in Grandview, Washington
With a median home value of $265,300, Grandview is 14% lower than the Yakima County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Grandview was built around 1977. About 22% of homes were built before 1960, about 7 points below Yakima County's 30%.
The housing stock in Grandview is 68% single-family homes, 8% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Grandview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grandview has an owner-occupancy rate of 56% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
76% of homes in Grandview are primarily heated with electricity.
FEMA rates Yakima County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Yakima County had 802 active NFIP flood policies as of September 2026. See the full Yakima 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 | $265,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Yakima County | 802 |
| 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)