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Home insurance costs & natural hazards in the District of Columbia

Plain facts for District of Columbia homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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District of Columbia at a glance

Four numbers most homeowners ask about first.

$1,628
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$443
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.82%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

1 of 1
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

District of Columbia in numbers
688,888
residents (2020 Census)
4.8%
of policies had a paid claim (2022, median ZIP)
$13,848
average paid claim (2022, median ZIP)
1,189
single-family NFIP flood policies (2025)

What homeowners in District of Columbia pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical District of Columbia ZIP code saw homeowners premiums of $1,628 per policy in 2022, 5% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 20 District of Columbia ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
District of ColumbiaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 1,189 single-family NFIP policies took effect in the District of Columbia in 2025, at an average full cost of $443, compared with $521 in 2022. About 15% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

1,189 policies
A zones 15%X/B/C zones 85%V zones 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of District of Columbia's 1 counties FEMA rates relatively high or very high for each hazard. The most widespread are cold wave, earthquake and hail. Open any county for its full hazard profile.

How the ratings work

Hazards across District of Columbia's counties

Counties FEMA rates relatively high or very high

District of Columbia counties

All 1 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
District of Columbia: $1,628
under $1,628$1,628–$1,628$1,628–$1,628$1,628–$1,628$1,628+
CountyPremiumFloodFEMA rating
District of Columbia$1,628$443Relatively High

ZIP codes with the most flood policies

20019 Washington20002 Washington20011 Washington20016 Washington20007 Washington20015 Washington20003 Washington20008 Washington20001 Washington20018 Washington20020 Washington20032 Washington

Practical next steps

Simple things District of Columbia homeowners can do with this information.

Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.
Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.