District of Columbia Homeowners Insurance

Data Snapshot: District of Columbia Homeowners Insurance

The District of Columbia figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical District of Columbia homeowner pays, gives $2,119 per year.

Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the District of Columbia ZIP codes that report one (90% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so that average is likely conservative).

Within District of Columbia, premium dispersion across ZIP codes is substantial: the most expensive ZIP (20008 in Washington) charges 222% more than the least expensive (20019 in Washington), 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.