Home Insurance in Granger, Washington
With a median home value of $210,200, Granger is 32% lower than the Yakima County median.
The typical home in Granger was built around 1976. About 19% of homes were built before 1960, about 10 points below Yakima County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Granger, the housing stock is 57% single-family homes, 13% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Granger, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Granger has an owner-occupancy rate of 54% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Granger - 76% - are primarily heated with electricity.
Yakima County had 802 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Yakima 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 | $210,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)