Home Insurance in Yakima, Washington
With a median home value of $297,600, Yakima is close to the Yakima County median.
The typical home in Yakima was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 6 points above Yakima County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yakima is 64% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Yakima carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 54% of occupied homes in Yakima are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Yakima - 62% - are primarily heated with electricity.
Yakima County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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.
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 | $297,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| 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)