Home Insurance in Wapato, Washington
Homes in Wapato carry a median value of $185,100 - 40% lower than the Yakima County median.
The typical home in Wapato was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 14 points above Yakima County's 30%.
In Wapato, the housing stock is 67% single-family homes, 19% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Wapato have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Wapato are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Wapato are primarily heated with electricity.
What's the biggest home insurance risk near Wapato? 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.
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 | $185,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)