Home Insurance in Burien, Washington
Homes in Burien carry a median value of $638,800 - 26% lower than the King County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Burien was built around 1966. About 38% of homes were built before 1960, about 15 points above King County's 23%.
In Burien, the housing stock is 60% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Burien, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burien has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Burien - 55% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
King County had 6,820 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very High). See the full King County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Washington, the statewide average premium for a standard HO-3 homeowners policy is $1,232 per year (NAIC, 2023 data).
Key figures
| Median home value | $638,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Earthquake (Very High) |
| Active NFIP policies in King County | 6,820 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)