Homeowners insurance cost in Washington by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Washington overview
Across 39 published counties, the average modeled budget is $1,453/yr, with county estimates ranging from $413 to $3,217 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,151/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Washington, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Washington
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Washington launch wave.
- King County: $3,217/yr modeled budget
- Snohomish County: $2,709/yr modeled budget
- Whatcom County: $2,189/yr modeled budget
- Kitsap County: $2,091/yr modeled budget
- Pierce County: $2,058/yr modeled budget
- Island County: $2,044/yr modeled budget
- Skagit County: $2,010/yr modeled budget
- San Juan County: $1,986/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Adams County | $273,300 | 23.22 (Very Low) | $604/yr |
| Asotin County | $325,600 | 17.91 (Very Low) | $681/yr |
| Benton County | $407,800 | 87.09 (Relatively Moderate) | $1,489/yr |
| Chelan County | $490,100 | 90.87 (Relatively Moderate) | $1,831/yr |
| Clallam County | $421,800 | 89.73 (Relatively Moderate) | $1,565/yr |
| Clark County | $522,900 | 92.24 (Relatively Moderate) | $1,969/yr |
| Columbia County | $271,200 | 8.56 (Very Low) | $510/yr |
| Cowlitz County | $397,500 | 90.3 (Relatively Moderate) | $1,480/yr |
| Douglas County | $432,500 | 74.08 (Relatively Low) | $1,452/yr |
| Ferry County | $283,400 | 51.65 (Relatively Low) | $808/yr |
| Franklin County | $379,300 | 72.49 (Relatively Low) | $1,260/yr |
| Garfield County | $239,200 | 1.59 (Very Low) | $413/yr |
| Grant County | $299,500 | 76.94 (Relatively Low) | $1,025/yr |
| Grays Harbor County | $314,000 | 96.98 (Relatively High) | $1,216/yr |
| Island County | $593,300 | 77.99 (Relatively Low) | $2,044/yr |
| Jefferson County | $535,000 | 64.38 (Relatively Low) | $1,679/yr |
| King County | $859,900 | 99.68 (Very High) | $3,217/yr |
| Kitsap County | $555,100 | 92.3 (Relatively Moderate) | $2,091/yr |
| Kittitas County | $497,400 | 89.12 (Relatively Moderate) | $1,838/yr |
| Klickitat County | $425,300 | 73.89 (Relatively Low) | $1,426/yr |
| Lewis County | $385,800 | 89.69 (Relatively Moderate) | $1,431/yr |
| Lincoln County | $292,800 | 54.9 (Relatively Low) | $857/yr |
| Mason County | $411,800 | 85.34 (Relatively Moderate) | $1,487/yr |
| Okanogan County | $299,800 | 89.19 (Relatively Moderate) | $1,108/yr |
| Pacific County | $334,800 | 92.75 (Relatively Moderate) | $1,265/yr |
| Pend Oreille County | $367,900 | 28.02 (Very Low) | $853/yr |
| Pierce County | $526,600 | 98.54 (Relatively High) | $2,058/yr |
| San Juan County | $799,200 | 35.37 (Very Low) | $1,986/yr |
| Skagit County | $545,100 | 88.77 (Relatively Moderate) | $2,010/yr |
| Skamania County | $529,500 | 49.68 (Relatively Low) | $1,487/yr |
| Snohomish County | $696,000 | 97.87 (Relatively High) | $2,709/yr |
| Spokane County | $410,700 | 89.98 (Relatively Moderate) | $1,526/yr |
| Stevens County | $350,600 | 60.34 (Relatively Low) | $1,069/yr |
| Thurston County | $480,300 | 94.5 (Relatively High) | $1,833/yr |
| Wahkiakum County | $396,800 | 19.27 (Very Low) | $842/yr |
| Walla Walla County | $408,900 | 60.37 (Relatively Low) | $1,246/yr |
| Whatcom County | $585,800 | 90.97 (Relatively Moderate) | $2,189/yr |
| Whitman County | $359,600 | 39.76 (Very Low) | $929/yr |
| Yakima County | $310,100 | 94.02 (Relatively Moderate) | $1,180/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.