ZIP 98278 housing market
Data through Jan 2026
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Expected Disaster Loss
$277
Dec 2025
What this means
- Disaster risk. FEMA expects about $277 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from earthquakes. Earthquakes aren't covered by standard homeowners insurance.
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Other ZIP codes in Island County, WA
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Oak Harbor, WA 98277 | $530.9K | +1.5% | 72 |
| Camano Island, WA 98282 | $724.2K | −0.8% | 80 |
| Coupeville, WA 98239 | $641.5K | +2.3% | 79 |
| Clinton, WA 98236 | $737.2K | +0.5% | 69 |
| Langley, WA 98260 | $780.9K | +0.5% | 44 |
| Freeland, WA 98249 | $741.9K | −0.6% | 45 |
| Greenbank, WA 98253 | $762.5K | +0.7% | 15 |