Homeowners Insurance in Washington

The average Washington homeowners premium is $1,232 a year (NAIC) — ▼ −29% versus the U.S. average of $1,737, ranking 37th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Washington

Homeowners (HO-3)

$1,232

NAIC average / year

Renters (HO-4)

$165

U.S. $173

Median home value

$564,600

Census ACS

FEMA expected loss rating

Relatively Moderate

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Washington's median home value of $564,600 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Washington

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	34.0	$6,026,038
Tornado	Relatively Low	30.2	$10,689,654
Hurricane	Not rated	—	—
Inland (river) flooding	Relatively Moderate	76.8	$1,361,309,522
Coastal flooding	Relatively High	81.1	$46,525,208
Wildfire	Relatively High	92.2	$173,105,718
Earthquake	Relatively High	98.2	$2,526,564,135
Winter weather	Relatively Moderate	44.6	$5,798,478
Strong wind	Relatively Low	26.4	$10,138,346
Lightning	Relatively Low	19.2	$9,586,937

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Yakima ($785) and the highest in Bellevue ($2,440).

City	Median home value	Median year built	Hail / wind	Est. premium
Seattle	$938,600	1976	Very Low / Very Low	$1,835
Spokane	$363,500	1961	Relatively Low / Relatively High	$915
Tacoma	$479,600	1967	Very Low / Relatively Low	$1,085
Vancouver	$462,400	1988	Very Low / Relatively Moderate	$1,030
Bellevue	$1,340,300	1982	Very Low / Very Low	$2,440
Kent	$587,800	1985	Very Low / Very Low	$1,265
Everett	$565,300	1981	Very Low / Very Low	$1,205
Spokane Valley	$382,300	1979	Relatively Low / Relatively High	$950
Renton	$672,600	1988	Very Low / Very Low	$1,405
Yakima	$297,600	1972	Relatively Moderate / Relatively Moderate	$785
Bellingham	$627,500	1986	Very Low / Very Low	$1,220
Auburn	$547,900	1991	Very Low / Very Low	$1,195
Lynnwood	$686,900	1979	Very Low / Very Low	$1,410

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Frequently asked questions

How much is homeowners insurance in Washington?

NAIC data puts the average Washington homeowners (HO-3) premium at $1,232 a year, ranking 37th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Washington?

The NAIC average renters (HO-4) premium in Washington is $165 a year.

What natural hazards affect home insurance in Washington?

FEMA's National Risk Index rates Washington relatively high or very high for expected annual losses from coastal flooding, wildfire, and earthquake. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in Washington?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

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

Sources used on this page