Spokane, WA

11 ZIP codes — Washington

Compare quotes in Spokane, WA

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Avg Premium (2025 Est.)

$1,397

+14.7% from 2022

Stress Score

35/100

Nonrenewal Rate

0.75%

Insurance/Income

1.7%

ZIP Codes in Spokane

ZIP	Avg Premium	Stress Score	Risk
99204	$1,623	54	Elevated
99201	$1,085	41	Elevated
99036	$1,542	39	Moderate
99202	$1,060	38	Moderate
99224	$1,265	36	Moderate
99223	$1,346	34	Moderate
99207	$958	33	Moderate
99203	$1,309	32	Moderate
99217	$1,109	30	Moderate
99208	$1,149	28	Moderate
99205	$948	23	Moderate

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.