Home Insurance in Union Gap, Washington
With a median home value of $210,600, Union Gap is 32% lower than the Yakima County median.
The typical home in Union Gap was built around 1971. About 35% of homes were built before 1960, about 5 points above Yakima County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union Gap is 73% single-family homes, 1% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
49% of owner-occupied homes in Union Gap carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Union Gap are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in Union Gap 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.
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 | $210,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)