Roche Harbor, WA

8 ZIP codes — Washington

Compare quotes in Roche Harbor, WA

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Avg Premium (2025 Est.)

$2,781

+12.8% from 2022

Stress Score

61/100

Nonrenewal Rate

1.20%

Insurance/Income

3.2%

ZIP Codes in Roche Harbor

ZIP	Avg Premium	Stress Score	Risk
98243	$2,928	72	High
98280	$2,738	71	High
98222	$3,541	67	High
98279	$1,722	63	High
98245	$2,096	58	Elevated
98286	$2,633	58	Elevated
98261	$1,907	53	Elevated
98250	$2,162	49	Elevated

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.