Homeowners Insurance in Everett, WA
For a home at Everett's median value of $565,300, we estimate about $1,205 a year — −2% versus the Washington NAIC average of $1,232.
Estimated homeowners insurance cost in Everett
Everett's estimate reflects its home values (about the same as the state median) and FEMA's hazard profile for Snohomish County.
Natural hazard risk in Everett
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 15.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 38.8 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 77.6 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 7.8 | Comprehensive; dwelling | |
| Winter weather | 94.1 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 61.5 | Comprehensive; dwelling | |
| Earthquake | 99.3 | Home needs a separate earthquake policy | |
| Lightning | 86.1 | 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 Everett
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $525 | $485 |
| $300,000 | $725 | $665 |
| $500,000 | $1,090 | $1,005 |
| $750,000 | $1,510 | $1,390 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Everett
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 98208 | $691,500 | 69.5% | $1,415 |
| 98204 | $414,000 | 33.6% | $940 |
| 98203 | $608,600 | 67.7% | $1,280 |
| 98201 | $499,800 | 44.6% | $1,090 |
Homeowners insurance in Washington · Car insurance in Everett · Insurance offices near Everett
Frequently asked questions
How much is homeowners insurance in Everett?
For a home at Everett's median value of $565,300, we estimate about $1,205 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 Everett?
FEMA's National Risk Index rates Snohomish County relatively high or very high for inland (river) flooding, winter weather, earthquake, and lightning.
Does the age of homes in Everett affect insurance?
Yes. The median home in Everett was built in 1981 (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 Snohomish County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Snohomish County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)