Home Insurance in Selah, Washington
The median home value in Selah is $414,600, 34% higher than the Yakima County median.
The typical home in Selah was built around 1990. About 19% of homes were built before 1960, about 11 points below Yakima County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Selah breaks down to 73% single-family homes and 22% apartments in buildings with 5+ units.
In Selah, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Selah are owner-occupied.
In Selah, 60% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Selah? FEMA's National Risk Index points to wildfire (Relatively High) in Yakima County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $414,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)