Homeowners insurance in Washington: premium by ZIP code
Washington's median ZIP code paid $1,304 per policy in 2022, below average, but its average claim, $21,335, ranked 4 of 51.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Washington (median ZIP code)
$1,304
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,737.
| Change from 2018 to 2022, after inflation | +7.5% |
| Premium per policy in 2018 | $1,213 |
| Premium per policy in 2022 | $1,304 |
| 2022 premium carried to September 2026 (BLS index) | $1,737 |
| Policies not renewed by the insurer, 2022 | 0.73% |
| Claims paid per 100 policies, yearly average | 2.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $21,335 |
| Cancelled for nonpayment, 2022 | 0.84% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 511 ZIP codes in 39 counties of Washington in the Treasury file · not a quote
Washington State homeowners paid $1,304 per policy in the median ZIP code in 2022 in the Treasury file, ranked 35 of 51 and below the national $1,551, after a rise of +8.0% after inflation. Claims were rare, 2.9 per 100 policies a year, ranked 46, but large, $21,335 on average, ranked 4, the profile of fire and water losses on houses with high rebuild costs. The paid loss ratio rose from 33% in 2018 to 48% in 2022, with wildfire seasons east of the Cascades among the reasons. King County paid $1,505, with Medina's 98039 the dearest ZIP code in the state at $6,096; Spokane County $1,230. Nonrenewals were 0.73% in 2022. Earthquake is excluded from standard policies. The Washington FAIR Plan covers homes declined elsewhere. The data stop in 2022.
Puget Sound
King County had 76 ZIP codes in the file and a median of $1,505 in 2022, up +8.9% after inflation. Pierce County paid $1,299 and Snohomish $1,250. ZIP 98039, Medina on Lake Washington, paid $6,096, and 98222 in San Juan County, the islands, $3,541. Rebuilding costs around Seattle are among the highest in the country, which helps explain the size of the average claim; the dwelling coverage calculator checks whether a limit keeps up.
A Seattle-area house: limit against rebuild cost
Example, not your result yet· change a figure to see yours
Paid with the proportional reduction
$75,923
| Limit needed to avoid the reduction | $520,000 |
| Reduction from underinsurance | $3,077 |
| Left for you to pay | $4,077 |
Earthquake
Western Washington sits on the Cascadia subduction zone and on shallow faults under Seattle. Standard homeowners policies exclude earthquake, and an endorsement or a separate policy adds it, usually with a deductible of 10 percent or more of the dwelling limit. Few households carry it. Houses not bolted to their foundations, and older brick chimneys, are the most exposed; retrofitting them can make coverage cheaper. If you buy it, check whether the deductible applies separately to the house and to its contents, and whether masonry veneer is excluded.
East of the Cascades
Spokane County paid $1,230 after a rise of +9.1%, and its ZIP 99001 was among the cheapest in the state at $923; the cheapest overall was 98266 in Whatcom County, $903. Wildfire is the risk insurers watch in the eastern foothills and the Okanogan and Chelan valleys. Hail is less common than on the Plains, but summer storms reach Spokane, and winter brings frozen pipes across the inland half of the state.
Renewals and the FAIR Plan
The median nonrenewal rate went 0.46%, 0.67%, 0.55%, 0.61%, 0.73% from 2018 to 2022, ranked 32 of 51. Cancellations for nonpayment were low, 0.84%. The Washington FAIR Plan Association writes a dwelling fire policy, with wind and hail by endorsement, for homes that cannot find a private insurer. The office of the Washington Office of the Insurance Commissioner handles complaints.
Washington, year by year
| Year | Washington median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,213 | $1,445 | 0.46% | 2.4 | 33% |
| 2019 | $1,255 | $1,469 | 0.67% | 2.9 | 41% |
| 2020 | $1,288 | $1,491 | 0.55% | 2.6 | 37% |
| 2021 | $1,317 | $1,521 | 0.61% | 2.9 | 43% |
| 2022 | $1,304 | $1,551 | 0.73% | 3.1 | 48% |
The Washington counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| King County | 76 | $1,364 | $1,505 | +8.9% | 0.64% | $24,142 |
| Pierce County | 47 | $1,209 | $1,299 | +6.0% | 0.78% | $22,326 |
| Spokane County | 33 | $1,126 | $1,230 | +9.1% | 0.61% | $20,032 |
| Snohomish County | 26 | $1,167 | $1,250 | +8.5% | 0.65% | $24,226 |
| Lewis County | 19 | $1,219 | $1,290 | +6.3% | 0.74% | $17,179 |
| Clark County | 18 | $1,104 | $1,215 | +10.0% | 0.62% | $24,360 |
| Yakima County | 18 | $1,281 | $1,340 | +5.6% | 1.02% | $22,067 |
| Kitsap County | 16 | $1,146 | $1,258 | +8.2% | 0.50% | $20,950 |
Highest and lowest premiums per policy, Washington ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 98039 | King County | $6,096 | +8.8% | 0.79% |
| 98222 | San Juan County | $3,541 | -8.4% | 1.15% |
| 98004 | King County | $3,002 | +9.9% | 0.92% |
| 98040 | King County | $2,969 | +12.4% | 0.64% |
| 98243 | San Juan County | $2,928 | +7.5% | 2.01% |
| 98266 | Whatcom County | $903 | -14.1% | 0.79% |
| 99001 | Spokane County | $923 | +8.3% | 0.69% |
| 98569 | Grays Harbor County | $940 | +2.7% | 0.63% |
| 99102 | Whitman County | $947 | +7.4% | 0.92% |
| 99205 | Spokane County | $948 | +5.2% | 0.54% |