Homeowners Insurance in Washington, DC

For a home at Washington's median value of $737,100, we estimate about $1,545 a year — 0% versus the District of Columbia NAIC average of $1,545.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Washington

Est. premium

$1,545

$129/mo · median home

Median home value

$737,100

District of Columbia: $737,100

Median year built

1958

Census ACS

Owner-occupied

41.5%

of households

Hazard score

87.1

state ref. 87.1

Washington's estimate reflects its home values (about the same as the state median) and FEMA's hazard profile for District of Columbia. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Washington

FEMA National Risk Index — District of Columbia
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	97.0	Comprehensive (car); roof claims (home)
Tornado	Relatively High	90.4	Comprehensive; dwelling
Hurricane	Relatively High	96.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	74.0	Comprehensive; home needs a separate flood policy
Strong wind	Very High	98.2	Comprehensive; dwelling
Winter weather	Very High	96.8	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	26.2	Comprehensive; dwelling
Earthquake	Relatively High	98.3	Home needs a separate earthquake policy
Lightning	Very High	96.6	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Washington

Dwelling value	Wood frame	Brick / masonry
$200,000	$545	$500
$300,000	$755	$690
$500,000	$1,135	$1,040
$750,000	$1,565	$1,440

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Washington

ZIP	Median home value	Owner-occupied	Est. premium
20002	$826,400	38.3%	$1,695
20011	$723,900	56.2%	$1,525
20019	$456,800	41.8%	$1,055
20020	$456,000	30.2%	$1,050
20009	$722,500	35.3%	$1,520
20001	$852,600	33.4%	$1,735
20032	$407,700	22.6%	$960
20003	$957,700	37.0%	$1,905
20016	$1,216,000	64.6%	$2,305
20010	$886,600	41.0%	$1,790
20008	$965,100	36.4%	$1,915
20007	$1,292,400	56.2%	$2,420
20017	$702,600	57.6%	$1,485
20018	$697,000	52.1%	$1,475
20012	$863,900	65.1%	$1,755
20024	$526,700	32.2%	$1,180
20015	$1,245,600	77.3%	$2,350
20037	$685,300	31.7%	$1,460
20005	$640,600	31.5%	$1,380
20036	$449,300	38.2%	$1,040
20004	$689,600	42.6%	$1,465
20006	$255,200	5.9%	$660

Homeowners insurance in District of Columbia · Car insurance in Washington · Insurance offices near Washington

Frequently asked questions

How much is homeowners insurance in Washington?

For a home at Washington's median value of $737,100, we estimate about $1,545 a year for a standard HO-3 policy with a $1,000 deductible. The District of Columbia NAIC average is $1,545.

What are the biggest natural hazards in Washington?

FEMA's National Risk Index rates District of Columbia relatively high or very high for hail, tornado, hurricane, inland (river) flooding, strong wind, winter weather, earthquake, and lightning.

Does the age of homes in Washington affect insurance?

Yes. The median home in Washington was built in 1958 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

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

Sources used on this page