Home insurance costs & natural hazards in Washington
Plain facts for Washington homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Washington at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Washington pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Washington ZIP code saw homeowners premiums of $1,304 per policy in 2022, 16% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 8% between 2018 and 2022. The figures come from 511 Washington ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 20,716 single-family NFIP policies took effect in Washington in 2025, at an average full cost of $1,178, compared with $991 in 2022. About 69% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Washington's 39 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, avalanche and landslide. Open any county for its full hazard profile.
Hazards across Washington's counties
Washington counties
All 39 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,384 | — | Very Low |
| Asotin County | $1,520 | $1,317 | Very Low |
| Benton County | $1,238 | $1,286 | Relatively Moderate |
| Chelan County | $1,507 | $1,519 | Relatively Moderate |
| Clallam County | $1,193 | $1,162 | Relatively Moderate |
| Clark County | $1,215 | $1,262 | Relatively Moderate |
| Columbia County | $1,217 | $1,771 | Very Low |
| Cowlitz County | $1,212 | $1,399 | Relatively Moderate |
| Douglas County | $1,322 | $1,811 | Relatively Low |
| Ferry County | $1,433 | $2,028 | Relatively Low |
| Franklin County | $1,270 | $1,396 | Relatively Low |
| Garfield County | $1,352 | $1,645 | Very Low |
| Grant County | $1,199 | $1,004 | Relatively Low |
| Grays Harbor County | $1,225 | $1,190 | Relatively High |
| Island County | $1,409 | $768 | Relatively Low |
| Jefferson County | $1,208 | $938 | Relatively Low |
| King County | $1,505 | $1,164 | Very High |
| Kitsap County | $1,258 | $805 | Relatively Moderate |
| Kittitas County | $1,532 | $1,416 | Relatively Moderate |
| Klickitat County | $1,356 | $1,947 | Relatively Low |
| Lewis County | $1,290 | $1,331 | Relatively Moderate |
| Lincoln County | $1,441 | $1,545 | Relatively Low |
| Mason County | $1,242 | $1,318 | Relatively Moderate |
| Okanogan County | $1,547 | $1,653 | Relatively Moderate |
| Pacific County | $1,287 | $1,345 | Relatively Moderate |
| Pend Oreille County | $1,359 | $1,730 | Very Low |
| Pierce County | $1,299 | $962 | Relatively High |
| San Juan County | $2,398 | $1,253 | Very Low |
| Skagit County | $1,178 | $1,143 | Relatively Moderate |
| Skamania County | $1,309 | $1,288 | Relatively Low |
| Snohomish County | $1,250 | $1,401 | Relatively High |
| Spokane County | $1,230 | $914 | Relatively Moderate |
| Stevens County | $1,383 | $1,493 | Relatively Low |
| Thurston County | $1,227 | $1,048 | Relatively High |
| Wahkiakum County | $1,526 | $1,188 | Very Low |
| Walla Walla County | $1,255 | $1,352 | Relatively Low |
| Whatcom County | $1,182 | $1,108 | Relatively Moderate |
| Whitman County | $1,347 | $1,466 | Very Low |
| Yakima County | $1,340 | $1,321 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Washington homeowners can do with this information.
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.