Homeowners Insurance in Washington, D.C.

The average Washington, D.C. homeowners premium is $1,545 a year (NAIC) — ▼ −11% versus the U.S. average of $1,737, ranking 28th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Washington, D.C.

Homeowners (HO-3)

$1,545

NAIC average / year

Renters (HO-4)

$155

U.S. $173

Median home value

$737,100

Census ACS

FEMA expected loss rating

Very Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Washington, D.C.'s median home value of $737,100 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Washington, D.C.

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	28.3	$4,164,178
Tornado	Relatively Low	22.6	$7,478,026
Hurricane	Relatively Low	54.4	$28,606,330
Inland (river) flooding	Relatively Low	10.7	$130,058,370
Coastal flooding	Relatively Low	35.1	$1,526,212
Wildfire	Very Low	2.0	$11,538
Earthquake	Relatively Low	50.0	$61,061,319
Winter weather	Relatively Low	16.1	$945,501
Strong wind	Relatively Low	18.9	$5,815,145
Lightning	Very Low	5.8	$2,338,420

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible.

City	Median home value	Median year built	Hail / wind	Est. premium
Washington	$737,100	1958	Relatively High / Very High	$1,545

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Frequently asked questions

How much is homeowners insurance in Washington, D.C.?

NAIC data puts the average Washington, D.C. homeowners (HO-3) premium at $1,545 a year, ranking 28th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Washington, D.C.?

The NAIC average renters (HO-4) premium in Washington, D.C. is $155 a year.

What natural hazards affect home insurance in Washington, D.C.?

FEMA's National Risk Index does not rate any single hazard in Washington, D.C. as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in Washington, D.C.?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page