ZIP 20036 Insurance Data

Data Snapshot: ZIP 20036 (Washington, DC)

ZIP 20036 (Washington, DC) shows an average homeowners insurance premium of $3,353 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 6,303 reported policies. That is 89% above the national average of $1,776 per year, placing this ZIP in the 96th percentile nationally. Compared to the District of Columbia state average of $1,991, this ZIP runs 68% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 20036 is 43.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.58%, and the average claim severity (amount paid per claim) is $22,303.

Across 5 years (2018–2022), premiums in ZIP 20036 have risen by 2.1%, ranging from $3,284 to $3,396 with a five-year average of $3,340 — an annualized rate of +0.5% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.