Washington Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 511 ZIP codes in Washington (WA).

The verdict

According to U.S. Treasury FIO filings, Washington ranks #35 of 51 by average premium ($1,384/yr) ≠ #28 of 50 by nonrenewal (0.96%). Cost rank is not withdrawal rank.

$1,384
State avg premium (#35 of 51): #28
Nonrenewal of 50 (0.96%): 98039
In-state premium ZIP #1 ($6,096): 98047
In-state nonrenewal ZIP #1 (1.46%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Washington vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,384 Lower than most lower premium than 67% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Washington pay an average of $1,384 per year for home insurance - 22% below the national average of $1,776. That ranks Washington as the 35th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 7.9%; nonrenewal rates climbed by 48.6% over the same period.

On five-year premium growth (2018–2022), Washington ranks 20th out of 51 states. Its nonrenewal rate (0.96%) ranks 28th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Washington Compares

vs National Average

$1,384 vs $1,776

22% below national avg

Rank Among States

35th of 51

most expensive for homeowners insurance

Loss Ratio vs National

64.9% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,384/yr

National avg: $1,776 (-22% below)

Premium Change

+7.9%

2018-2022 change

Avg Loss Ratio

64.9%

Claims paid vs premiums earned

Nonrenewal Rate

0.96%

+48.6% change

Data Snapshot: Washington Homeowners Insurance

Across the 511 Washington ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,384. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. That is 22% below the national average of $1,776 per year reported by the Federal Insurance Office. Washington ranks 35th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $903 in 98266 to $6,096 in 98039.

Between 2018 and 2022, average premiums rose by 7.9% in Washington, placing the state 20th nationally on five-year premium growth. The state-level loss ratio averaged 64.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.96% across the ZIP codes that report one (94% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 48.6% over the study period (ranking 28th out of 50 states).

Within Washington, premium dispersion across ZIP codes is substantial: the most expensive ZIP (98039 in Medina) charges 575% more than the least expensive (98266 in Maple Falls), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Washington

Washington statewide - FIO 2018-2022 average: 65% (Healthy) - standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

511

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,282	$1,213	39.9%	2.47%	0.64%
2019	$1,325 (+3.3%)	$1,255	45.0%	3.00%	0.96%
2020	$1,358 (+2.5%)	$1,288	47.0%	2.79%	0.75%
2021	$1,394 (+2.7%)	$1,317	50.7%	3.10%	0.81%
2022	$1,384 (-0.7%)	$1,304	64.9%	3.64%	0.96%

Average homeowners premium per year in Washington.

Most Expensive ZIP Codes in Washington

Most Affordable ZIP Codes in Washington

All ZIP Codes in Washington

511 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
98039	Medina	$6,096	41.6%	4.76%	0.79%
98222	Blakely Island	$3,541	225.8%	3.45%	1.15%
98004	Bellevue	$3,002	71.5%	3.83%	0.92%
98040	Mercer Island	$2,969	32.3%	3.76%	0.64%
98243	Deer Harbor	$2,928	39.6%	2.68%	2.01%
98112	Seattle	$2,867	36.4%	4.40%	0.26%
98280	Orcas	$2,738	33.4%	3.11%	1.55%
98286	Shaw Island	$2,633	3.5%	2.92%	0.73%
98050	Preston	$2,631	34.7%	2.61%	0.87%
98102	Seattle	$2,366	32.3%	5.35%	0.83%
98110	Bainbridge Island	$2,217	49.2%	2.64%	0.40%
98250	Friday Harbor	$2,162	20.7%	2.39%	0.59%
98077	Woodinville	$2,159	67.4%	4.12%	0.56%
98245	Eastsound	$2,096	41.1%	3.47%	0.90%
98005	Bellevue	$2,091	24.6%	3.64%	0.43%
98109	Seattle	$2,079	28.1%	4.04%	0.23%
98105	Seattle	$2,076	35.2%	3.53%	0.60%
98075	Sammamish	$2,013	47.0%	4.20%	0.65%
98833	Mazama	$2,003	17.3%	2.20%	2.93%
98119	Seattle	$1,965	34.7%	3.87%	0.45%
98024	Fall City	$1,956	46.0%	2.36%	0.39%
98027	Issaquah	$1,927	41.3%	3.50%	0.58%
98333	Fox Island	$1,927	38.0%	3.56%	1.09%
98922	Cle Elum	$1,924	87.9%	4.41%	2.36%
98261	Lopez Island	$1,907	40.6%	1.78%	0.89%
98068	Snoqualmie Pass	$1,889	44.7%	3.16%	1.32%
98053	Redmond	$1,883	41.9%	3.71%	0.55%
98051	Ravensdale	$1,861	119.0%	4.18%	0.55%
98070	Vashon	$1,861	34.5%	2.01%	0.96%
98006	Bellevue	$1,854	38.7%	2.92%	0.77%
98199	Seattle	$1,848	38.2%	3.14%	0.42%
98072	Woodinville	$1,841	35.0%	3.17%	0.53%
98033	Kirkland	$1,839	90.9%	3.74%	0.52%
98403	Tacoma	$1,831	27.8%	3.40%	0.76%
98834	Methow	$1,816	32.3%	2.70%	2.70%
98074	Sammamish	$1,813	29.5%	2.75%	0.46%
98816	Chelan	$1,799	49.8%	2.78%	0.87%
98862	Winthrop	$1,776	35.8%	1.85%	2.23%
98925	Easton	$1,766	123.3%	7.99%	3.46%
98177	Seattle	$1,760	102.6%	3.66%	0.44%
98843	Orondo	$1,758	171.5%	1.81%	1.25%
98335	Gig Harbor	$1,745	55.9%	4.00%	0.63%
99143	Lacrosse	$1,744	5.1%	1.96%	0.98%
98814	Carlton	$1,743	40.6%	2.21%	1.10%
99341	Lind	$1,737	369.6%	11.81%	3.47%
98020	Edmonds	$1,730	39.9%	3.37%	0.48%
98014	Carnation	$1,728	65.1%	2.87%	0.51%
98279	Olga	$1,722	9.7%	0.87%	1.73%
98394	Vaughn	$1,708	87.8%	1.75%	1.00%
98249	Freeland	$1,705	45.2%	3.56%	0.74%
98817	Chelan Falls	$1,699	N/A	N/A	N/A
98122	Seattle	$1,699	55.0%	4.45%	0.59%
98332	Gig Harbor	$1,691	42.8%	3.86%	0.72%
99103	Almira	$1,685	23.5%	4.76%	N/A
98831	Manson	$1,677	33.7%	2.73%	0.94%
98651	Underwood	$1,661	116.3%	3.19%	1.20%
98847	Peshastin	$1,660	31.9%	2.93%	1.86%
98275	Mukilteo	$1,658	61.5%	4.93%	0.52%
98826	Leavenworth	$1,652	68.3%	4.10%	3.30%
98065	Snoqualmie	$1,650	57.2%	3.85%	0.71%
98029	Issaquah	$1,646	65.1%	3.33%	0.47%
98538	Curtis	$1,639	15.9%	2.86%	N/A
98052	Redmond	$1,634	41.0%	3.35%	0.54%
98827	Loomis	$1,630	12.6%	1.64%	N/A
98938	Outlook	$1,627	87.1%	4.23%	0.47%
98236	Clinton	$1,627	59.8%	3.52%	0.62%
98144	Seattle	$1,625	64.2%	3.31%	0.48%
99204	Spokane	$1,623	49.9%	6.29%	0.92%
98812	Brewster	$1,618	93.6%	4.28%	0.56%
99402	Asotin	$1,613	19.5%	4.06%	0.68%
98166	Seattle	$1,611	53.9%	2.75%	0.49%
98232	Bow	$1,606	21.6%	1.54%	0.36%
98940	Ronald	$1,604	80.7%	5.41%	5.67%
98296	Snohomish	$1,591	42.6%	3.56%	0.46%
98647	Skamokawa	$1,589	13.4%	2.78%	N/A
99167	Rice	$1,581	14.8%	2.52%	0.63%
99034	Tumtum	$1,580	258.1%	5.33%	2.67%
98008	Bellevue	$1,578	79.9%	3.20%	0.68%
99118	Curlew	$1,566	27.3%	1.37%	2.05%
98260	Langley	$1,565	62.9%	4.33%	0.48%
98650	Trout Lake	$1,564	39.1%	2.36%	0.88%
98116	Seattle	$1,564	50.5%	3.21%	0.46%
98858	Waterville	$1,563	16.5%	3.44%	1.15%
98846	Pateros	$1,557	4.2%	1.25%	1.56%
98136	Seattle	$1,555	62.7%	3.13%	0.50%
98952	White Swan	$1,553	-1.7%	2.35%	1.18%
98856	Twisp	$1,549	9.3%	1.49%	1.36%
98855	Tonasket	$1,546	76.5%	2.80%	1.84%
99036	Valleyford	$1,542	86.4%	4.09%	0.43%
99101	Addy	$1,537	125.9%	2.27%	3.03%
98830	Mansfield	$1,535	20.1%	2.11%	1.05%
99137	Hunters	$1,534	16.1%	3.61%	1.20%
98941	Roslyn	$1,532	199.5%	5.48%	3.29%
98034	Kirkland	$1,527	38.0%	2.97%	0.43%
99134	Harrington	$1,526	9.8%	0.93%	1.85%
98643	Rosburg	$1,526	102.1%	3.06%	N/A
98045	North Bend	$1,525	77.2%	3.81%	0.79%
98381	Sekiu	$1,521	77.7%	2.29%	N/A
99401	Anatone	$1,520	5.9%	3.45%	N/A
99008	Edwall	$1,519	72.4%	7.50%	1.25%
98019	Duvall	$1,517	49.7%	3.72%	0.63%
98115	Seattle	$1,515	26.9%	3.26%	0.36%
99170	Rosalia	$1,514	109.3%	3.93%	1.69%
99126	Evans	$1,513	14.2%	1.18%	1.18%
98923	Cowiche	$1,513	80.5%	4.12%	1.03%
98358	Nordland	$1,509	58.4%	3.05%	1.02%
98007	Bellevue	$1,507	47.6%	2.65%	0.74%
98815	Cashmere	$1,507	40.0%	2.57%	1.21%
98641	Oysterville	$1,506	17.0%	1.69%	N/A
98844	Oroville	$1,505	75.8%	2.86%	1.18%
98606	Brush Prairie	$1,503	89.7%	3.17%	0.63%
98022	Enumclaw	$1,502	57.3%	3.99%	0.63%
98836	Monitor	$1,502	56.2%	2.06%	2.06%
99023	Mica	$1,501	45.3%	2.96%	0.59%
98580	Roy	$1,501	86.7%	3.10%	0.89%
98422	Tacoma	$1,498	58.7%	4.38%	0.66%
98028	Kenmore	$1,493	46.9%	3.56%	0.77%
98262	Lummi Island	$1,493	10.6%	1.03%	1.03%
99330	Eltopia	$1,487	13.3%	2.56%	1.71%
98038	Maple Valley	$1,482	49.8%	3.05%	0.70%
99150	Malo	$1,482	95.6%	11.25%	3.75%
98011	Bothell	$1,476	46.3%	3.56%	0.72%
98351	Longbranch	$1,473	9.0%	0.45%	1.34%
98607	Camas	$1,470	68.3%	3.82%	0.60%
98290	Snohomish	$1,469	52.0%	3.73%	0.58%
98059	Renton	$1,464	46.2%	2.65%	0.47%
98026	Edmonds	$1,462	78.6%	4.70%	0.68%
98328	Eatonville	$1,462	50.1%	2.89%	1.15%
99158	Oakesdale	$1,460	10.0%	3.94%	3.94%
99185	Wilbur	$1,458	7.1%	1.45%	1.16%
98613	Centerville	$1,457	N/A	N/A	N/A
99110	Clayton	$1,456	30.4%	2.72%	1.51%
99031	Spangle	$1,455	39.0%	3.81%	1.38%
99153	Metaline Falls	$1,453	88.4%	8.11%	5.41%
98635	Lyle	$1,453	27.8%	3.17%	1.90%
98380	Seabeck	$1,446	49.6%	5.70%	0.50%
99159	Odessa	$1,442	107.9%	3.76%	0.38%
98672	White Salmon	$1,442	46.1%	3.04%	1.43%
98840	Okanogan	$1,441	94.4%	4.30%	0.61%
98092	Auburn	$1,440	57.1%	3.33%	0.98%
99122	Davenport	$1,439	24.7%	3.83%	1.00%
98942	Selah	$1,434	42.7%	3.36%	0.73%
99138	Inchelium	$1,433	39.4%	3.06%	0.51%
98376	Quilcene	$1,432	35.1%	1.14%	1.14%
98822	Entiat	$1,432	31.0%	2.50%	1.33%
99171	Saint John	$1,431	59.6%	4.06%	1.02%
98619	Glenwood	$1,430	34.4%	4.00%	1.00%
99029	Reardan	$1,427	130.2%	5.97%	2.24%
98953	Zillah	$1,425	27.6%	2.95%	1.07%
99166	Republic	$1,425	156.9%	3.12%	2.97%
98908	Yakima	$1,424	68.1%	3.61%	0.74%
98103	Seattle	$1,423	37.9%	2.77%	0.38%
98010	Black Diamond	$1,422	93.1%	2.98%	1.21%
98937	Naches	$1,412	35.1%	2.95%	1.21%
98253	Greenbank	$1,409	63.7%	5.11%	0.52%
99125	Endicott	$1,408	N/A	N/A	1.09%
98638	Naselle	$1,408	1.9%	0.79%	0.52%
98648	Stevenson	$1,407	33.8%	2.80%	1.28%
99005	Colbert	$1,406	40.7%	3.72%	0.43%
98621	Grays River	$1,404	N/A	N/A	1.64%
98342	Indianola	$1,401	20.4%	1.90%	0.19%
98329	Gig Harbor	$1,399	40.8%	3.25%	0.96%
98946	Thorp	$1,398	29.6%	1.98%	N/A
98118	Seattle	$1,397	39.8%	3.50%	0.59%
98355	Mineral	$1,397	33.0%	4.17%	N/A
98933	Harrah	$1,396	9.9%	3.97%	1.59%
99013	Ford	$1,394	166.9%	3.50%	2.80%
98849	Riverside	$1,394	29.1%	4.37%	1.46%
98272	Monroe	$1,394	74.6%	3.25%	0.75%
98829	Malott	$1,386	5.4%	1.96%	1.96%
99169	Ritzville	$1,384	27.7%	2.39%	N/A
98155	Seattle	$1,383	41.2%	3.45%	0.46%
98042	Kent	$1,381	43.0%	2.88%	0.70%
98590	Tokeland	$1,381	11.6%	2.65%	0.66%
99156	Newport	$1,381	58.7%	3.31%	2.02%
98951	Wapato	$1,380	102.4%	3.61%	1.56%
98502	Olympia	$1,372	45.2%	3.09%	0.60%
99032	Sprague	$1,372	229.8%	3.57%	0.71%
99109	Chewelah	$1,371	36.9%	3.10%	1.12%
98943	South Cle Elum	$1,370	40.6%	2.84%	N/A
98359	Olalla	$1,370	27.6%	3.13%	0.94%
98372	Puyallup	$1,370	47.4%	3.49%	0.76%
98012	Bothell	$1,370	64.6%	3.80%	0.53%
98443	Tacoma	$1,369	51.7%	3.05%	1.02%
98023	Federal Way	$1,369	54.2%	3.89%	0.73%
98223	Arlington	$1,369	58.0%	3.50%	0.80%
99338	Kennewick	$1,363	65.9%	5.85%	0.43%
99111	Colfax	$1,363	65.4%	3.16%	0.38%
99129	Fruitland	$1,362	N/A	N/A	1.14%
99360	Touchet	$1,360	61.0%	6.85%	0.91%
98221	Anacortes	$1,359	23.9%	2.25%	0.45%
98058	Renton	$1,359	41.0%	2.61%	0.82%
98821	Dryden	$1,359	N/A	N/A	2.30%
99139	Ione	$1,359	69.0%	3.17%	1.73%
98542	Ethel	$1,359	N/A	N/A	1.65%
99119	Cusick	$1,359	13.3%	2.02%	1.12%
98056	Renton	$1,358	57.9%	3.49%	0.89%
98292	Stanwood	$1,358	59.1%	4.22%	0.50%
98117	Seattle	$1,357	24.5%	2.40%	0.53%
99147	Lincoln	$1,356	9.2%	0.92%	0.92%
98338	Graham	$1,353	71.1%	3.49%	0.79%
99173	Springdale	$1,352	321.0%	6.71%	1.77%
99347	Pomeroy	$1,352	19.9%	3.19%	1.14%
98603	Ariel	$1,351	42.8%	4.10%	1.09%
99026	Nine Mile Falls	$1,351	61.0%	3.79%	0.98%
98629	La Center	$1,350	46.4%	3.17%	0.52%
99141	Kettle Falls	$1,348	42.7%	2.23%	2.00%
98388	Steilacoom	$1,347	69.9%	3.45%	0.75%
98336	Glenoma	$1,347	6.0%	2.22%	0.56%
99033	Tekoa	$1,347	9.0%	1.05%	3.16%
99223	Spokane	$1,346	91.4%	4.71%	0.56%
98021	Bothell	$1,345	63.7%	3.59%	0.81%
99157	Northport	$1,344	9.1%	1.80%	N/A
98282	Camano Island	$1,344	61.6%	4.37%	0.58%
98675	Yacolt	$1,343	35.0%	2.81%	0.96%
98365	Port Ludlow	$1,342	69.1%	2.27%	0.43%
99030	Rockford	$1,342	807.0%	40.33%	1.23%
98926	Ellensburg	$1,341	38.2%	2.19%	0.65%
98057	Renton	$1,339	126.8%	3.57%	0.73%
98642	Ridgefield	$1,339	65.6%	3.60%	0.61%
99012	Fairfield	$1,337	105.8%	7.07%	0.51%
98671	Washougal	$1,333	78.0%	4.34%	0.66%
99133	Grand Coulee	$1,333	12.2%	2.32%	0.99%
98801	Wenatchee	$1,332	35.5%	3.13%	1.03%
98125	Seattle	$1,332	40.2%	2.47%	0.44%
98283	Rockport	$1,332	44.6%	5.68%	N/A
98327	Dupont	$1,331	191.0%	5.53%	0.63%
99009	Elk	$1,329	92.4%	4.22%	1.78%
98407	Tacoma	$1,328	64.9%	3.28%	0.59%
99361	Waitsburg	$1,327	25.9%	1.23%	0.99%
98198	Seattle	$1,326	45.0%	2.85%	0.50%
99003	Chattaroy	$1,323	20.6%	2.99%	1.09%
98239	Coupeville	$1,322	47.0%	3.45%	0.59%
99181	Valley	$1,322	69.7%	4.16%	2.77%
99019	Liberty Lake	$1,320	1315.3%	70.76%	0.59%
98499	Lakewood	$1,320	82.3%	3.57%	0.71%
98178	Seattle	$1,320	55.3%	3.13%	0.92%
98527	Bay Center	$1,319	14.1%	1.56%	N/A
98546	Grapeview	$1,317	41.3%	2.89%	0.78%
98467	University Place	$1,316	74.1%	3.31%	0.31%
98674	Woodland	$1,315	74.3%	2.69%	0.58%
98321	Buckley	$1,313	34.9%	2.72%	0.66%
98305	Beaver	$1,313	249.6%	0.94%	0.94%
98813	Bridgeport	$1,312	32.3%	2.37%	0.79%
99123	Electric City	$1,311	9.0%	1.23%	N/A
99114	Colville	$1,310	50.4%	2.48%	1.09%
98564	Mossyrock	$1,310	47.0%	2.25%	0.84%
98257	La Conner	$1,310	38.1%	2.97%	0.62%
98349	Lakebay	$1,309	31.3%	3.01%	0.64%
99203	Spokane	$1,309	76.3%	5.13%	0.49%
98605	Bingen	$1,309	121.0%	2.39%	N/A
98572	Pe Ell	$1,307	5.7%	1.30%	2.16%
99117	Creston	$1,307	N/A	N/A	N/A
98466	Tacoma	$1,306	45.6%	3.60%	0.58%
98446	Tacoma	$1,305	97.6%	3.30%	0.64%
98107	Seattle	$1,304	35.5%	3.33%	0.35%
98146	Seattle	$1,304	64.2%	2.02%	0.91%
98396	Wilkeson	$1,304	249.7%	3.31%	1.32%
98841	Omak	$1,303	61.6%	3.31%	0.78%
98533	Cinebar	$1,301	N/A	N/A	0.72%
98585	Silver Creek	$1,300	32.6%	2.68%	1.34%
98935	Mabton	$1,299	78.2%	4.07%	1.02%
99323	Burbank	$1,299	44.2%	4.44%	0.76%
98406	Tacoma	$1,299	80.7%	3.06%	0.71%
98383	Silverdale	$1,299	54.3%	2.84%	0.31%
98391	Bonney Lake	$1,298	59.2%	3.17%	0.75%
98685	Vancouver	$1,297	69.0%	3.57%	0.35%
99113	Colton	$1,297	75.3%	3.18%	1.91%
99025	Newman Lake	$1,296	1069.1%	50.86%	0.99%
98377	Randle	$1,296	68.3%	2.20%	1.71%
98528	Belfair	$1,296	60.2%	2.96%	0.83%
98370	Poulsbo	$1,295	37.3%	2.66%	0.43%
99343	Mesa	$1,294	19.4%	4.73%	1.78%
98055	Renton	$1,294	67.4%	2.71%	1.03%
98616	Cougar	$1,294	32.9%	1.99%	0.33%
98571	Pacific Beach	$1,293	7.7%	2.29%	0.29%
98346	Kingston	$1,291	51.3%	2.45%	0.51%
98851	Soap Lake	$1,291	55.3%	3.71%	0.12%
98591	Toledo	$1,290	38.9%	2.72%	0.91%
98267	Marblemount	$1,290	193.5%	4.11%	1.37%
98604	Battle Ground	$1,289	60.1%	2.90%	0.61%
98624	Ilwaco	$1,289	3.9%	0.55%	1.38%
98524	Allyn	$1,288	28.6%	2.59%	0.59%
98577	Raymond	$1,287	48.6%	1.85%	1.00%
98188	Seattle	$1,286	49.6%	2.38%	0.78%
98032	Kent	$1,286	57.2%	2.95%	0.73%
98354	Milton	$1,286	69.0%	3.61%	0.65%
98323	Carbonado	$1,284	61.3%	3.40%	0.43%
98168	Seattle	$1,284	47.7%	2.70%	1.27%
98356	Morton	$1,284	29.8%	2.68%	0.54%
98620	Goldendale	$1,282	36.1%	1.66%	1.59%
98001	Auburn	$1,282	47.4%	2.87%	0.88%
98576	Rainier	$1,282	148.8%	4.34%	1.28%
98126	Seattle	$1,281	43.9%	3.15%	0.45%
98901	Yakima	$1,280	52.9%	3.13%	0.79%
98360	Orting	$1,279	93.4%	3.40%	0.87%
98932	Granger	$1,278	52.1%	3.21%	1.61%
99130	Garfield	$1,276	40.1%	3.51%	1.75%
98535	Copalis Beach	$1,276	36.2%	2.53%	0.51%
98570	Onalaska	$1,276	29.9%	1.91%	1.31%
98371	Puyallup	$1,275	59.0%	3.73%	0.70%
98589	Tenino	$1,272	55.5%	2.94%	0.72%
98003	Federal Way	$1,272	79.3%	3.67%	0.68%
98947	Tieton	$1,269	37.2%	2.22%	0.61%
98625	Kalama	$1,268	30.7%	2.49%	0.40%
98802	East Wenatchee	$1,268	29.6%	2.54%	0.54%
99350	Prosser	$1,267	76.0%	6.77%	0.96%
98612	Cathlamet	$1,267	36.9%	2.01%	0.67%
99148	Loon Lake	$1,266	100.1%	2.41%	2.00%
98837	Moses Lake	$1,266	56.7%	3.46%	0.87%
98532	Chehalis	$1,266	42.3%	2.35%	0.74%
99115	Coulee City	$1,265	69.0%	3.51%	1.60%
99224	Spokane	$1,265	65.3%	3.57%	0.80%
98258	Lake Stevens	$1,261	65.8%	4.68%	0.58%
98037	Lynnwood	$1,260	67.9%	3.96%	0.67%
98537	Cosmopolis	$1,260	36.5%	3.07%	0.34%
98373	Puyallup	$1,259	64.7%	3.59%	0.92%
98944	Sunnyside	$1,259	40.1%	2.49%	0.74%
98367	Port Orchard	$1,258	62.3%	3.36%	0.55%
98374	Puyallup	$1,257	60.9%	3.52%	0.73%
98340	Hansville	$1,257	26.5%	2.48%	0.26%
99116	Coulee Dam	$1,256	135.2%	0.91%	1.21%
98390	Sumner	$1,253	96.6%	2.99%	0.69%
98031	Kent	$1,252	83.9%	3.04%	0.84%
98203	Everett	$1,250	74.5%	3.29%	0.63%
98241	Darrington	$1,250	38.4%	2.54%	0.98%
98465	Tacoma	$1,250	41.2%	4.27%	0.71%
99337	Kennewick	$1,249	85.6%	4.83%	1.02%
98224	Baring	$1,248	45.0%	5.47%	1.56%
98201	Everett	$1,248	59.5%	5.12%	0.73%
98520	Aberdeen	$1,247	52.1%	2.67%	0.79%
98506	Olympia	$1,247	70.0%	3.37%	0.36%
99326	Connell	$1,246	30.4%	6.26%	1.46%
98584	Shelton	$1,246	35.1%	2.44%	0.79%
98649	Toutle	$1,245	9.2%	1.77%	0.35%
98281	Point Roberts	$1,245	39.5%	2.15%	1.07%
99161	Palouse	$1,245	36.1%	4.00%	N/A
98375	Puyallup	$1,244	61.9%	3.85%	0.83%
98498	Lakewood	$1,243	66.1%	3.75%	0.95%
98512	Olympia	$1,243	53.0%	3.73%	0.62%
98030	Kent	$1,243	43.5%	3.18%	1.15%
98930	Grandview	$1,241	30.9%	3.23%	1.01%
98240	Custer	$1,240	25.8%	3.15%	0.45%
98303	Anderson Island	$1,239	36.4%	2.98%	0.78%
98592	Union	$1,239	100.8%	3.56%	0.30%
98563	Montesano	$1,238	62.4%	2.51%	0.53%
99352	Richland	$1,238	60.0%	4.78%	0.71%
98597	Yelm	$1,236	48.0%	3.45%	1.17%
98271	Marysville	$1,236	54.0%	4.22%	0.85%
98582	Salkum	$1,236	1.0%	0.68%	N/A
98036	Lynnwood	$1,236	56.4%	3.81%	0.43%
98208	Everett	$1,234	80.2%	3.34%	0.45%
98628	Klickitat	$1,234	13.6%	1.12%	N/A
98247	Everson	$1,233	21.0%	2.16%	0.54%
99006	Deer Park	$1,232	59.2%	3.04%	0.83%
98610	Carson	$1,231	74.7%	4.99%	0.61%
98256	Index	$1,231	56.7%	5.63%	1.25%
99021	Mead	$1,230	39.6%	3.96%	0.61%
98936	Moxee	$1,227	23.3%	2.08%	0.43%
98541	Elma	$1,227	25.0%	2.45%	0.70%
98252	Granite Falls	$1,226	104.5%	3.37%	1.07%
98686	Vancouver	$1,226	61.7%	2.84%	0.59%
98550	Hoquiam	$1,225	86.3%	1.76%	0.85%
99218	Spokane	$1,224	59.7%	4.04%	0.44%
98601	Amboy	$1,224	73.9%	2.55%	1.12%
98229	Bellingham	$1,223	44.6%	3.57%	0.59%
98586	South Bend	$1,222	120.5%	2.03%	0.61%
98555	Lilliwaup	$1,222	89.3%	4.51%	0.50%
98575	Quinault	$1,220	10.9%	N/A	N/A
98850	Rock Island	$1,219	8.5%	2.06%	1.55%
98424	Tacoma	$1,219	42.3%	2.46%	0.84%
98220	Acme	$1,218	438.6%	5.33%	1.33%
98614	Chinook	$1,218	28.0%	3.76%	1.61%
98501	Olympia	$1,217	43.2%	2.84%	0.62%
99328	Dayton	$1,217	31.5%	1.71%	1.00%
98568	Oakville	$1,217	7.5%	1.27%	1.06%
98274	Mount Vernon	$1,216	40.6%	2.29%	0.64%
98382	Sequim	$1,215	48.9%	3.64%	0.54%
98948	Toppenish	$1,213	80.4%	2.70%	0.78%
98133	Seattle	$1,213	36.9%	2.95%	0.68%
98611	Castle Rock	$1,212	31.9%	2.03%	0.41%
99362	Walla Walla	$1,211	51.3%	3.12%	0.60%
99180	Usk	$1,210	53.1%	4.82%	0.40%
98596	Winlock	$1,210	86.0%	1.78%	0.73%
98226	Bellingham	$1,210	44.5%	2.59%	0.55%
98320	Brinnon	$1,209	28.2%	2.80%	0.78%
98345	Keyport	$1,209	39.9%	2.17%	1.09%
98108	Seattle	$1,209	49.2%	2.98%	0.77%
98857	Warden	$1,208	28.3%	3.92%	0.65%
98288	Skykomish	$1,206	16.8%	2.16%	1.29%
98368	Port Townsend	$1,206	17.5%	1.98%	0.28%
98516	Olympia	$1,206	61.1%	3.02%	0.68%
98683	Vancouver	$1,206	76.4%	3.33%	0.44%
98277	Oak Harbor	$1,203	65.6%	3.67%	0.74%
99348	Prescott	$1,202	40.6%	8.24%	1.18%
98148	Seattle	$1,199	125.6%	2.46%	0.68%
98387	Spanaway	$1,199	55.6%	4.03%	0.98%
98664	Vancouver	$1,197	52.8%	3.19%	0.67%
98903	Yakima	$1,196	40.8%	3.16%	1.04%
98602	Appleton	$1,194	72.7%	5.80%	8.70%
98357	Neah Bay	$1,193	N/A	N/A	1.05%
98823	Ephrata	$1,190	54.2%	4.04%	0.52%
99022	Medical Lake	$1,190	93.6%	4.87%	2.08%
99163	Pullman	$1,189	26.8%	2.64%	0.55%
99004	Cheney	$1,188	82.0%	4.20%	1.04%
98311	Bremerton	$1,184	36.7%	2.47%	0.51%
98562	Moclips	$1,182	N/A	N/A	N/A
99179	Uniontown	$1,182	15.8%	1.94%	N/A
98087	Lynnwood	$1,181	66.2%	3.54%	0.81%
98639	North Bonneville	$1,181	12.1%	1.40%	0.93%
99353	West Richland	$1,179	69.0%	7.09%	0.69%
99037	Veradale	$1,179	81.1%	3.69%	0.57%
98237	Concrete	$1,178	51.3%	3.60%	1.10%
98312	Bremerton	$1,177	42.4%	3.23%	0.55%
98294	Sultan	$1,177	32.3%	2.38%	1.14%
98385	South Prairie	$1,177	14.7%	1.90%	N/A
98325	Chimacum	$1,177	12.0%	1.83%	0.23%
98270	Marysville	$1,175	71.1%	4.24%	0.53%
99027	Otis Orchards	$1,173	880.6%	31.20%	0.82%
98902	Yakima	$1,171	50.7%	3.26%	0.78%
98819	Conconully	$1,169	61.1%	1.82%	0.61%
98848	Quincy	$1,169	39.4%	2.81%	0.78%
98366	Port Orchard	$1,164	70.0%	2.64%	0.67%
99357	Royal City	$1,162	24.4%	1.42%	1.06%
98106	Seattle	$1,161	52.3%	3.13%	0.55%
98331	Forks	$1,161	21.1%	2.26%	0.43%
98593	Vader	$1,159	27.9%	2.23%	0.37%
99320	Benton City	$1,158	143.6%	9.52%	1.26%
98405	Tacoma	$1,158	51.6%	3.49%	1.15%
98828	Malaga	$1,157	27.1%	2.63%	1.15%
98644	Seaview	$1,157	33.4%	0.99%	N/A
98418	Tacoma	$1,155	56.2%	3.28%	1.05%
98363	Port Angeles	$1,154	48.5%	1.87%	0.35%
98225	Bellingham	$1,153	38.2%	3.08%	0.39%
98408	Tacoma	$1,152	79.1%	4.05%	1.09%
98530	Bucoda	$1,150	255.9%	2.38%	2.38%
98588	Tahuya	$1,149	50.2%	3.48%	1.63%
99208	Spokane	$1,149	80.5%	4.60%	0.60%
98445	Tacoma	$1,148	60.3%	3.77%	1.00%
98579	Rochester	$1,147	72.4%	2.77%	0.33%
98362	Port Angeles	$1,143	25.5%	2.66%	0.46%
99349	Mattawa	$1,143	106.4%	5.41%	0.75%
98284	Sedro Woolley	$1,138	66.5%	3.33%	0.46%
98645	Silverlake	$1,138	11.3%	2.86%	0.19%
98548	Hoodsport	$1,135	66.1%	6.84%	1.11%
99354	Richland	$1,134	61.3%	4.03%	0.80%
98251	Gold Bar	$1,134	74.8%	4.72%	1.06%
98665	Vancouver	$1,133	54.9%	3.22%	0.56%
98047	Pacific	$1,133	40.5%	2.84%	1.46%
98264	Lynden	$1,131	110.4%	2.51%	0.41%
98361	Packwood	$1,129	103.9%	4.60%	0.94%
98273	Mount Vernon	$1,128	35.6%	2.59%	0.57%
98547	Grayland	$1,127	7.5%	1.35%	0.19%
99344	Othello	$1,127	46.5%	3.12%	0.80%
99336	Kennewick	$1,127	98.8%	5.71%	0.95%
98392	Suquamish	$1,124	40.9%	1.74%	0.27%
98626	Kelso	$1,123	44.5%	2.71%	0.73%
98513	Olympia	$1,118	37.1%	3.10%	0.62%
98531	Centralia	$1,117	75.3%	2.42%	0.85%
98409	Tacoma	$1,115	64.9%	3.08%	1.07%
99217	Spokane	$1,109	91.7%	4.19%	0.58%
98631	Long Beach	$1,109	43.6%	1.91%	0.74%
98295	Sumas	$1,109	16.4%	2.53%	1.27%
98235	Clearlake	$1,108	11.3%	6.58%	N/A
99301	Pasco	$1,108	63.9%	3.84%	0.71%
99403	Clarkston	$1,106	50.9%	2.90%	0.71%
98002	Auburn	$1,106	79.2%	3.39%	0.63%
98617	Dallesport	$1,106	49.0%	2.82%	1.21%
98632	Longview	$1,104	45.8%	2.76%	0.70%
98230	Blaine	$1,103	56.3%	2.77%	0.47%
98339	Port Hadlock	$1,102	20.9%	2.92%	0.89%
98404	Tacoma	$1,101	63.7%	4.17%	1.17%
98557	Mccleary	$1,101	17.9%	2.60%	0.68%
98248	Ferndale	$1,098	53.1%	2.63%	0.53%
98304	Ashford	$1,097	77.1%	1.89%	0.95%
98043	Mountlake Terrace	$1,095	72.4%	3.51%	0.62%
98310	Bremerton	$1,095	48.3%	2.89%	0.40%
98263	Lyman	$1,095	339.8%	5.06%	N/A
98503	Lacey	$1,094	63.4%	2.88%	0.68%
99206	Spokane	$1,093	65.4%	4.38%	0.58%
98673	Wishram	$1,092	2.1%	1.61%	3.23%
98326	Clallam Bay	$1,090	31.0%	2.22%	1.11%
99201	Spokane	$1,085	85.0%	4.62%	1.17%
99016	Greenacres	$1,084	68.8%	3.53%	0.52%
98662	Vancouver	$1,083	71.3%	3.02%	0.67%
98663	Vancouver	$1,080	38.0%	2.97%	0.66%
98444	Tacoma	$1,077	97.3%	4.31%	1.14%
98233	Burlington	$1,071	44.1%	2.85%	0.52%
98934	Kittitas	$1,066	28.4%	1.36%	0.45%
98661	Vancouver	$1,064	65.6%	3.11%	0.72%
98660	Vancouver	$1,062	39.1%	3.03%	0.66%
98337	Bremerton	$1,062	105.9%	3.02%	0.56%
99202	Spokane	$1,060	79.7%	5.23%	1.10%
98684	Vancouver	$1,060	63.7%	3.61%	0.52%
98204	Everett	$1,050	33.0%	3.21%	0.64%
98682	Vancouver	$1,049	83.4%	3.37%	0.74%
98565	Napavine	$1,047	35.5%	4.91%	0.61%
98581	Ryderwood	$1,042	N/A	N/A	1.02%
98595	Westport	$1,034	65.4%	1.04%	0.91%
99212	Spokane	$1,032	63.5%	4.75%	0.59%
99324	College Place	$1,032	38.3%	2.26%	0.65%
99216	Spokane	$1,001	87.8%	4.45%	0.54%
98276	Nooksack	$983	28.2%	3.93%	0.84%
98244	Deming	$979	59.4%	2.53%	0.34%
98640	Ocean Park	$974	26.0%	2.05%	0.69%
99207	Spokane	$958	83.1%	5.67%	1.03%
99205	Spokane	$948	72.2%	4.40%	0.54%
99102	Albion	$947	19.7%	1.83%	0.92%
98569	Ocean Shores	$940	18.5%	1.58%	0.63%
99001	Airway Heights	$923	46.9%	3.87%	0.69%
98266	Maple Falls	$903	60.8%	3.40%	0.79%

Washington Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Washington compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Washington

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Washington ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

84.7

10th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Washington FIO ZIPs

Most common top hazard

Earthquake

19 of 39 counties

Highest FEMA NRI counties in Washington
County	Risk score	Rating	Top hazard
King	99.7	Very High	Earthquake
Pierce	98.5	Relatively High	Earthquake
Snohomish	97.9	Relatively High	Earthquake

Counties with elevated FEMA hazard ratings in Washington
Hazard	Elevated counties	Share of joined
Earthquake	6	15%
Winter weather	6	15%
Wildfire	5	13%
Flooding	3	8%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Washington: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,384/yr here).

North Carolina $1,379/yr Virginia $1,369/yr New Hampshire $1,428/yr Idaho $1,321/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.96% here).

Connecticut 0.99% Vermont 0.90% District of Columbia 0.89% Arkansas 0.89%

Frequently Asked Questions

What is the average homeowners insurance cost in Washington? ▼

Averaged across the 511 Washington ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,384. This is 22% below the national average of $1,776.

How have insurance premiums changed in Washington? ▼

Washington homeowners insurance premiums changed by +7.9% between 2018 and 2022. The average loss ratio is 64.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Washington? ▼

The most expensive ZIP code for homeowners insurance in Washington is 98039, with an average premium of $6,096/yr. The most affordable is 98266 at $903/yr.

What is the nonrenewal rate for Washington homeowners insurance? ▼

Averaged across the Washington ZIP codes that report one (94% of the state's ZIP codes), the nonrenewal rate is 0.96%. This rate has changed by +48.6% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 98047 has the highest nonrenewal rate in the state at 1.46%.

What is a loss ratio and what does Washington's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Washington's average loss ratio is 64.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Washington? ▼

The average claim frequency in Washington is 3.64%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $24,941. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Washington? ▼

Across 39 FEMA National Risk Index counties that join to Washington ZIP codes in the FIO file, the mean county risk score is 84.7 (22% above the 50-state mean of 69.3). The most common county-level top hazard is Earthquake (19 of 39 counties). Elevated (Relatively High or Very High) county ratings concentrate in Earthquake (6), Winter weather (6), Wildfire (5). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Washington in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Washington ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Washington Homeowners Insurance

How Washington Compares

Data Snapshot: Washington Homeowners Insurance

Loss Ratio Reading: Washington

Premium Trends (2018-2022)

Average premium in Washington, 2018–2022

Most Expensive ZIP Codes in Washington

Most Affordable ZIP Codes in Washington

All ZIP Codes in Washington

Washington Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

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