Homeowners Insurance in Yakima, WA

For a home at Yakima's median value of $297,600, we estimate about $785 a year — −36% versus the Washington NAIC average of $1,232.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Yakima

Est. premium

$785

$65/mo · median home

Median home value

$297,600

Washington: $564,600

Median year built

1972

Census ACS

Owner-occupied

53.8%

of households

Hazard score

78.1

state ref. 67.9

Yakima's estimate reflects its home values (47% lower than the state median) and FEMA's hazard profile for Yakima County.

Natural hazard risk in Yakima

FEMA National Risk Index — Yakima County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	92.8	Comprehensive (car); roof claims (home)
Tornado	Very Low	19.5	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	92.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	70.1	Comprehensive; dwelling
Winter weather	Relatively High	85.5	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	98.9	Comprehensive; dwelling
Earthquake	Relatively Moderate	97.4	Home needs a separate earthquake policy
Lightning	Relatively Moderate	67.6	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Yakima

Dwelling value	Wood frame	Brick / masonry
$200,000	$570	$525
$300,000	$790	$725
$500,000	$1,185	$1,090
$750,000	$1,640	$1,510

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Yakima

ZIP	Median home value	Owner-occupied	Est. premium
98902	$263,200	50.9%	$710
98908	$383,900	68.9%	$960
98901	$279,600	50.0%	$745
98903	$287,400	74.1%	$760

Homeowners insurance in Washington · Car insurance in Yakima · Insurance offices near Yakima

Frequently asked questions

How much is homeowners insurance in Yakima?

For a home at Yakima's median value of $297,600, we estimate about $785 a year for a standard HO-3 policy with a $1,000 deductible. The Washington NAIC average is $1,232.

What are the biggest natural hazards in Yakima?

FEMA's National Risk Index rates Yakima County relatively high or very high for winter weather and wildfire.

Does the age of homes in Yakima affect insurance?

Yes. The median home in Yakima was built in 1972 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Washington, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Yakima County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page