Washington

Home insurance overview — 511 ZIP codes, 362 cities

Avg Premium (2025 Est.)

$1,579

+14.1% from 2022

Nonrenewal Rate

0.96%

5yr Storm Damage

$371.9M

Washington Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Winthrop	2	$2,254	76	+19.3%	High
Methow	1	$2,105	74	+15.9%	High
Metaline Falls	1	$1,750	66	+20.4%	High
Malott	1	$1,521	65	+9.7%	High
LaCrosse	1	$2,086	64	+19.6%	High
Tonasket	1	$1,754	63	+13.5%	High
Twisp	1	$1,786	62	+15.3%	High
Ione	1	$1,547	61	+13.8%	High
Roche Harbor	8	$2,781	61	+12.8%	High
Lind	1	$2,080	60	+19.8%	Elevated
Cle Elum	1	$2,279	60	+18.5%	Elevated
Leavenworth	1	$1,939	59	+17.4%	Elevated
Rosalia	1	$1,749	59	+15.5%	Elevated
Marblemount	1	$1,522	59	+18.0%	Elevated
Curlew	1	$1,825	58	+16.5%	Elevated
Tekoa	1	$1,543	57	+14.5%	Elevated
Medina	1	$6,971	57	+14.4%	Elevated
Riverside	1	$1,519	56	+9.0%	Elevated
Oroville	1	$1,704	56	+13.2%	Elevated
Pateros	1	$1,729	55	+11.0%	Elevated
Easton	1	$2,027	55	+14.8%	Elevated
Skykomish	1	$1,368	55	+13.4%	Elevated
White Swan	1	$1,676	55	+7.9%	Elevated
Chelan	2	$2,048	55	+15.6%	Elevated
Addy	3	$1,773	55	+14.4%	Elevated
Curlew Lake	1	$1,666	54	+17.0%	Elevated
Grays River	1	$1,565	54	+11.5%	Elevated
Roslyn	1	$1,781	54	+16.2%	Elevated
Bay Center	1	$1,489	54	+12.9%	Elevated
Ryderwood	2	$1,519	53	+13.3%	Elevated
Pe Ell	1	$1,451	53	+11.0%	Elevated
Loomis	1	$1,865	52	+14.4%	Elevated
Bingen	2	$1,742	52	+17.3%	Elevated
Fall City	2	$2,724	52	+18.8%	Elevated
Malo	1	$1,663	52	+12.2%	Elevated
Chelan Falls	2	$2,031	52	+17.5%	Elevated
Suncrest	2	$1,636	52	+11.6%	Elevated
Entiat	1	$1,664	52	+16.2%	Elevated
Manson	1	$1,950	51	+16.3%	Elevated
Prescott	1	$1,344	51	+11.8%	Elevated
Onalaska	2	$1,425	51	+13.4%	Elevated
Clayton	1	$1,613	51	+10.8%	Elevated
Cashmere	4	$1,726	51	+14.5%	Elevated
Snoqualmie Pass	1	$2,212	51	+17.1%	Elevated
St. John	1	$1,706	51	+19.2%	Elevated
Newport	2	$1,528	51	+12.8%	Elevated
Mossyrock	2	$1,486	50	+13.9%	Elevated
Okanogan	1	$1,675	50	+16.2%	Elevated
Kettle Falls	2	$1,581	50	+10.5%	Elevated
Mercer Island	1	$3,442	50	+15.9%	Elevated
Oakesdale	1	$1,716	50	+17.6%	Elevated
Index	1	$1,399	50	+13.6%	Elevated
Valley	1	$1,499	49	+13.4%	Elevated
Acme	1	$1,369	49	+12.4%	Elevated
Packwood	2	$1,378	49	+13.6%	Elevated
Sumas	1	$1,258	49	+13.5%	Elevated
Ronald	1	$1,901	49	+18.5%	Elevated
Napavine	1	$1,196	49	+14.3%	Elevated
Point Roberts	1	$1,369	49	+10.0%	Elevated
Mineral	2	$1,579	48	+15.0%	Elevated
Coulee Dam	1	$1,407	48	+12.0%	Elevated
Mesa	1	$1,697	48	+14.1%	Elevated
Marrowstone	1	$1,771	48	+17.4%	Elevated
Ocean Park	2	$1,460	48	+17.7%	Elevated
Neah Bay	1	$1,320	48	+10.7%	Elevated
Conconully	1	$1,359	48	+16.2%	Elevated
Cowiche	1	$1,746	48	+15.4%	Elevated
Harrington	1	$1,729	47	+13.3%	Elevated
Baring	1	$1,386	47	+11.1%	Elevated
Vashon	1	$2,160	47	+16.1%	Elevated
Rosburg	1	$1,803	47	+18.2%	Elevated
Sekiu	1	$1,770	47	+16.4%	Elevated
Moclips	1	$1,315	47	+11.2%	Elevated
Bucoda	1	$1,274	47	+10.8%	Elevated
Reardan	2	$1,560	47	+10.6%	Elevated
Rockford	1	$1,483	47	+10.5%	Elevated
Chewelah	1	$1,542	47	+12.4%	Elevated
Garfield	1	$1,454	47	+13.9%	Elevated
Anatone	1	$1,651	47	+8.6%	Elevated
Quilcene	1	$1,638	47	+14.4%	Elevated
Waitsburg	1	$1,510	47	+13.8%	Elevated
Brewster	1	$1,881	47	+16.2%	Elevated
Sprague	2	$1,621	46	+12.1%	Elevated
Almira	1	$1,912	46	+13.5%	Elevated
Rockport	1	$1,537	46	+15.4%	Elevated
Rock Island	1	$1,430	46	+17.3%	Elevated
Waterville	1	$1,774	46	+13.5%	Elevated
Springdale	2	$1,522	46	+12.2%	Elevated
Darrington	1	$1,392	46	+11.3%	Elevated
Grand Coulee	1	$1,474	46	+10.6%	Elevated
Chinook	1	$1,391	46	+14.2%	Elevated
Touchet	1	$1,585	46	+16.6%	Elevated
Cusick	2	$1,404	46	+9.3%	Elevated
Loon Lake	1	$1,431	46	+13.0%	Elevated
Fox Island	1	$2,237	45	+16.1%	Elevated
Lyman	1	$1,204	45	+10.0%	Elevated
Ravensdale	1	$2,174	45	+16.8%	Elevated
Ferndale	2	$1,478	45	+14.1%	Elevated
Long Beach	2	$1,310	45	+15.6%	Elevated
Cougar	1	$1,547	45	+19.6%	Elevated
Northport	1	$1,505	45	+12.0%	Elevated
Colton	1	$1,476	44	+13.8%	Elevated
Concrete	1	$1,320	44	+12.0%	Elevated
Clear Lake	2	$1,443	44	+12.3%	Elevated
Clallam Bay	1	$1,201	44	+10.2%	Elevated
North Omak	1	$1,484	44	+13.8%	Elevated
Spangle	1	$1,642	44	+12.8%	Elevated
Stevenson	1	$1,595	43	+13.3%	Elevated
Edison	1	$1,858	43	+15.7%	Elevated
Mirrormont	1	$2,249	43	+16.7%	Elevated
Bainbridge Island	1	$2,589	43	+16.8%	Elevated
South Cle Elum	1	$1,603	43	+17.0%	Elevated
North Bonneville	1	$1,346	43	+14.0%	Elevated
Banks Lake South	1	$1,409	43	+11.4%	Elevated
Cottage Lake	2	$2,330	43	+16.5%	Elevated
Bridgeport	1	$1,462	43	+11.5%	Elevated
Amboy	3	$1,459	43	+11.7%	Elevated
Morton	2	$1,443	43	+11.6%	Elevated
Ilwaco	1	$1,479	43	+14.7%	Elevated
Endicott	1	$1,582	43	+12.4%	Elevated
Trout Lake	1	$1,858	43	+18.8%	Elevated
Bellevue	5	$2,314	43	+15.3%	Elevated
White Salmon	1	$1,673	43	+16.0%	Elevated
Basin City	1	$1,457	42	+12.6%	Elevated
Union Hill-Novelty Hill	1	$2,219	42	+17.8%	Elevated
Woodland	1	$1,505	42	+14.5%	Elevated
Goldendale	1	$1,432	42	+11.7%	Elevated
Keyport	1	$1,363	42	+12.7%	Elevated
Electric City	1	$1,486	42	+13.4%	Elevated
Sammamish	2	$2,223	42	+16.2%	Elevated
Forks	2	$1,379	42	+11.5%	Elevated
Medical Lake	1	$1,356	42	+14.0%	Elevated
Mansfield	1	$1,814	42	+18.1%	Elevated
Wapato	1	$1,524	41	+10.4%	Elevated
Toledo	3	$1,423	41	+12.8%	Elevated
Inchelium	1	$1,570	41	+9.6%	Elevated
Verlot	1	$1,369	41	+11.6%	Elevated
Asotin	1	$1,839	41	+14.0%	Elevated
Creston	2	$1,521	41	+14.2%	Elevated
Burley	1	$1,581	41	+15.4%	Elevated
Dallesport	2	$1,479	41	+15.6%	Elevated
Wenatchee	1	$1,533	41	+15.1%	Elevated
Albion	1	$1,077	41	+13.8%	Elevated
Pacific Beach	1	$1,470	41	+13.7%	Elevated
Lake Marcel-Stillwater	1	$2,030	41	+17.5%	Elevated
Snoqualmie	1	$1,930	40	+16.9%	Moderate
La Conner	1	$1,502	40	+14.7%	Moderate
Cliffdell	1	$1,603	40	+13.5%	Moderate
Brinnon	1	$1,394	40	+15.3%	Moderate
Mukilteo	1	$1,932	40	+16.6%	Moderate
Black Diamond	1	$1,559	40	+9.6%	Moderate
Royal City	1	$1,254	40	+7.9%	Moderate
Granger	1	$1,419	40	+11.0%	Moderate
Deep River	1	$1,646	40	+16.9%	Moderate
Burbank	1	$1,497	40	+15.2%	Moderate
Davenport	1	$1,630	40	+13.2%	Moderate
Kelso	1	$1,266	40	+12.7%	Moderate
Glenwood	2	$1,455	39	+10.9%	Moderate
Startup	1	$1,309	39	+11.2%	Moderate
Belfair	2	$1,394	39	+14.1%	Moderate
Palouse	1	$1,442	39	+15.9%	Moderate
Custer	1	$1,424	39	+14.8%	Moderate
Copalis Beach	1	$1,458	39	+14.3%	Moderate
Colville	1	$1,461	39	+11.5%	Moderate
Key Center	2	$1,814	39	+16.8%	Moderate
Montesano	2	$1,412	39	+14.9%	Moderate
Otis Orchards-East Farms	2	$1,421	39	+15.1%	Moderate
Longview	1	$1,250	39	+13.3%	Moderate
Rainier	1	$1,457	38	+13.7%	Moderate
Anacortes	1	$1,580	38	+16.2%	Moderate
Pacific	1	$1,267	38	+11.8%	Moderate
Oakville	1	$1,386	38	+13.9%	Moderate
Woods Creek	1	$1,607	38	+15.3%	Moderate
Castle Rock	1	$1,379	38	+13.8%	Moderate
Connell	1	$1,413	38	+13.4%	Moderate
Raymond	1	$1,446	38	+12.3%	Moderate
Tokeland	1	$1,577	38	+14.2%	Moderate
Mead	2	$1,442	38	+13.0%	Moderate
Vader	1	$1,315	38	+13.4%	Moderate
Edmonds	2	$1,857	38	+16.4%	Moderate
North Bend	1	$1,740	38	+14.1%	Moderate
Deming	1	$1,401	38	+13.6%	Moderate
Peaceful Valley	1	$975	38	+8.0%	Moderate
Gold Bar	1	$1,256	37	+10.8%	Moderate
Hoquiam	1	$1,384	37	+13.0%	Moderate
Bellingham	3	$1,380	37	+15.5%	Moderate
Wishram	1	$1,243	37	+13.8%	Moderate
Hoodsport	2	$1,367	37	+15.9%	Moderate
Cheney	1	$1,365	37	+14.9%	Moderate
Sunnyside	2	$1,651	37	+14.4%	Moderate
Zillah	1	$1,613	37	+13.2%	Moderate
Tukwila	2	$1,445	37	+12.4%	Moderate
Bothell	2	$1,644	37	+16.5%	Moderate
Big Lake	1	$1,402	37	+15.3%	Moderate
Kalama	2	$1,426	37	+13.4%	Moderate
Artondale	1	$2,018	36	+15.7%	Moderate
Centralia	1	$1,271	36	+13.8%	Moderate
Winlock	1	$1,334	36	+10.3%	Moderate
Renton	3	$1,515	36	+13.9%	Moderate
Wilbur	1	$1,654	36	+13.4%	Moderate
Kirkland	2	$1,957	36	+16.3%	Moderate
Grandview	2	$1,446	36	+13.8%	Moderate
Westport	1	$1,158	36	+12.0%	Moderate
Seabeck	1	$1,682	36	+16.3%	Moderate
Duvall	1	$1,724	36	+13.6%	Moderate
Freeland	2	$1,809	36	+16.1%	Moderate
Aberdeen	1	$1,415	36	+13.4%	Moderate
Kenmore	1	$1,718	36	+15.1%	Moderate
College Place	1	$1,198	36	+16.1%	Moderate
Maltby	1	$1,833	35	+15.2%	Moderate
Harrah	1	$1,573	35	+12.7%	Moderate
Spokane	11	$1,397	35	+14.7%	Moderate
Mount Vernon	1	$1,287	35	+14.1%	Moderate
Seattle	19	$1,901	35	+14.2%	Moderate
Issaquah	1	$1,907	35	+15.9%	Moderate
Terrace Heights	1	$1,460	35	+14.0%	Moderate
Nooksack	1	$1,092	35	+11.1%	Moderate
Sisco Heights	1	$1,556	35	+13.7%	Moderate
East Wenatchee	2	$1,384	35	+14.1%	Moderate
Maplewood	1	$1,951	35	+15.4%	Moderate
Walla Walla	1	$1,393	35	+15.0%	Moderate
Clinton	1	$1,888	35	+16.1%	Moderate
Redmond	1	$1,902	35	+16.4%	Moderate
Chehalis	1	$1,428	35	+12.8%	Moderate
Yelm	1	$1,392	35	+12.6%	Moderate
Bryn Mawr-Skyway	1	$1,482	35	+12.3%	Moderate
Fairfield	1	$1,488	34	+11.3%	Moderate
Burien	3	$1,566	34	+14.2%	Moderate
Indianola	1	$1,595	34	+13.8%	Moderate
Three Lakes	1	$1,682	34	+14.5%	Moderate
Longbranch	2	$1,583	34	+13.8%	Moderate
Waller	1	$1,556	34	+13.6%	Moderate
South Creek	1	$1,675	34	+11.6%	Moderate
Uniontown	1	$1,366	34	+15.6%	Moderate
Selah	1	$1,638	34	+14.2%	Moderate
Hockinson	1	$1,753	34	+16.7%	Moderate
Pullman	1	$1,363	34	+14.6%	Moderate
Camas	1	$1,704	34	+16.0%	Moderate
South Bend	1	$1,356	34	+11.0%	Moderate
Cosmopolis	1	$1,447	33	+14.9%	Moderate
Birch Bay	1	$1,237	33	+12.2%	Moderate
Liberty Lake	1	$1,521	33	+15.2%	Moderate
Thorp	1	$1,576	33	+12.7%	Moderate
Skokomish	1	$1,431	33	+14.9%	Moderate
Deer Park	1	$1,368	33	+11.0%	Moderate
Washougal	1	$1,538	33	+15.3%	Moderate
Sequim	1	$1,410	33	+16.1%	Moderate
North Lynnwood	1	$1,351	33	+14.4%	Moderate
Kent	3	$1,424	33	+13.0%	Moderate
Hobart	1	$1,694	33	+14.3%	Moderate
Grapeview	2	$1,491	32	+14.4%	Moderate
Fairwood	2	$1,491	32	+15.4%	Moderate
Finley	1	$1,424	32	+14.0%	Moderate
DuPont	1	$1,547	32	+16.3%	Moderate
Yakima	2	$1,475	32	+13.6%	Moderate
Hansville	1	$1,447	32	+15.1%	Moderate
Moses Lake	1	$1,446	32	+14.2%	Moderate
Desert Aire	1	$1,295	32	+13.3%	Moderate
Green Bluff	1	$1,610	32	+14.5%	Moderate
Federal Way	2	$1,481	32	+12.2%	Moderate
Shoreline	3	$1,669	32	+14.9%	Moderate
Tacoma	10	$1,452	32	+12.6%	Moderate
Langley	1	$1,816	32	+16.0%	Moderate
Wilkeson	1	$1,426	32	+9.4%	Moderate
Everett	3	$1,346	32	+13.8%	Moderate
Ahtanum	1	$1,335	32	+11.6%	Moderate
Mill Creek	1	$1,600	32	+16.8%	Moderate
Lakewood	2	$1,439	32	+12.2%	Moderate
Skamokawa Valley	1	$1,782	31	+12.2%	Moderate
Kayak Point	1	$1,536	31	+13.1%	Moderate
Toppenish	1	$1,377	31	+13.5%	Moderate
Port Gamble Tribal Community	1	$1,471	31	+13.9%	Moderate
Tenino	1	$1,436	31	+12.9%	Moderate
Lynden	1	$1,300	31	+15.0%	Moderate
Carson	1	$1,387	31	+12.7%	Moderate
Pomeroy	1	$1,541	31	+14.0%	Moderate
Lake Morton-Berrydale	1	$1,576	31	+14.1%	Moderate
Grayland	1	$1,229	31	+9.0%	Moderate
Lynnwood	2	$1,441	31	+15.4%	Moderate
Port Hadlock-Irondale	2	$1,294	31	+13.5%	Moderate
Oak Harbor	1	$1,390	31	+15.5%	Moderate
Marysville	2	$1,365	31	+13.2%	Moderate
Burlington	1	$1,224	31	+14.3%	Moderate
Auburn	3	$1,439	31	+12.8%	Moderate
Ridgefield	1	$1,535	30	+14.6%	Moderate
Des Moines	1	$1,490	30	+12.4%	Moderate
Dayton	1	$1,374	30	+12.9%	Moderate
Prosser	1	$1,429	30	+12.7%	Moderate
Kennewick	2	$1,434	30	+15.1%	Moderate
Clarkston Heights-Vineland	1	$1,265	30	+14.3%	Moderate
Airway Heights	1	$1,054	30	+14.2%	Moderate
East Renton Highlands	1	$1,696	30	+15.8%	Moderate
Ocean Shores	1	$1,049	30	+11.6%	Moderate
Ellensburg	1	$1,543	30	+15.1%	Moderate
Sedro-Woolley	1	$1,295	30	+13.8%	Moderate
Anderson Island	1	$1,426	30	+15.1%	Moderate
Olympia	2	$1,503	30	+14.7%	Moderate
Malone	1	$1,385	30	+12.9%	Moderate
Lake Stevens	1	$1,440	30	+14.2%	Moderate
Port Ludlow	1	$1,540	30	+14.7%	Moderate
Edgewood	1	$1,549	30	+13.1%	Moderate
Mountlake Terrace	1	$1,250	29	+14.1%	Moderate
Warden	1	$1,317	29	+9.0%	Moderate
Ritzville	1	$1,580	29	+14.1%	Moderate
Fife	1	$1,381	29	+13.3%	Moderate
Graham	1	$1,529	29	+13.0%	Moderate
Port Orchard	2	$1,388	29	+14.6%	Moderate
Colfax	1	$1,569	29	+15.2%	Moderate
Spokane Valley	6	$1,315	29	+14.5%	Moderate
Quincy	1	$1,309	29	+12.0%	Moderate
Steilacoom	1	$1,539	29	+14.2%	Moderate
La Center	1	$1,555	29	+15.2%	Moderate
Parkland	2	$1,241	29	+11.5%	Moderate
Tumwater	2	$1,415	29	+15.0%	Moderate
Enumclaw	1	$1,693	29	+12.7%	Moderate
Lacey	2	$1,326	28	+15.3%	Moderate
Coupeville	1	$1,520	28	+14.9%	Moderate
Sumner	1	$1,423	28	+13.6%	Moderate
South Hill	3	$1,415	28	+12.9%	Moderate
Suquamish	2	$1,375	28	+13.7%	Moderate
Port Townsend	1	$1,404	28	+16.4%	Moderate
West Richland	2	$1,330	28	+13.7%	Moderate
Crocker	1	$1,451	28	+13.5%	Moderate
Spanaway	1	$1,347	28	+12.4%	Moderate
Port Angeles	2	$1,311	28	+14.1%	Moderate
Ephrata	1	$1,356	28	+13.9%	Moderate
Othello	1	$1,270	28	+12.7%	Moderate
Camano	1	$1,522	27	+13.3%	Moderate
Centerville	1	$1,625	27	+11.6%	Moderate
Eastmont	1	$1,427	27	+15.6%	Moderate
Richland	2	$1,365	27	+15.1%	Moderate
Milton	1	$1,460	27	+13.5%	Moderate
Odessa	1	$1,713	27	+18.8%	Moderate
Ashford	1	$1,234	27	+12.5%	Moderate
University Place	2	$1,507	27	+14.9%	Moderate
Mount Vista	1	$1,414	27	+15.3%	Moderate
Venersborg	1	$1,485	27	+15.2%	Moderate
Puyallup	1	$1,437	27	+12.7%	Moderate
Clover Creek	1	$1,480	27	+13.4%	Moderate
Puget Island	1	$1,427	27	+12.7%	Moderate
McCleary	1	$1,237	27	+12.4%	Moderate
Salmon Creek	1	$1,516	26	+16.9%	Moderate
Lake Tapps	1	$1,464	26	+12.8%	Moderate
Tracyton	1	$1,348	26	+13.9%	Moderate
Kittitas	1	$1,229	26	+15.3%	Moderate
Vancouver	7	$1,267	26	+14.9%	Moderate
Silverdale	1	$1,496	26	+15.2%	Moderate
Hazel Dell	1	$1,300	26	+14.7%	Moderate
Five Corners	1	$1,239	25	+14.4%	Moderate
Bremerton	3	$1,257	25	+13.1%	Moderate
Klickitat	1	$1,386	24	+12.4%	Moderate
Tieton	1	$1,426	24	+12.4%	Moderate
Nisqually Indian Community	1	$1,270	24	+13.5%	Moderate
Kendall	1	$1,057	24	+7.9%	Moderate
Pasco	1	$1,255	24	+13.3%	Moderate
Buckley	1	$1,485	24	+13.1%	Moderate
South Prairie	1	$1,278	23	+8.6%	Moderate
Soap Lake	1	$1,455	23	+12.7%	Moderate
Union	1	$1,392	22	+12.4%	Moderate
Moxee	1	$1,360	22	+10.8%	Moderate
Carbonado	1	$1,453	22	+13.1%	Moderate
Rochester	1	$1,304	20	+13.7%	Low

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.