Home Insurance in Clyde Hill, Washington
Homes in Clyde Hill carry a median value of $2,000,000+.
The typical home in Clyde Hill was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 12 points below King County's 23%.
Housing in Clyde Hill breaks down to 98% single-family homes and 1% apartments in buildings with 5+ units.
In Clyde Hill, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Clyde Hill are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Clyde Hill - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Clyde Hill? FEMA's National Risk Index points to earthquake (Very High) in King County and King County had 6,820 active NFIP flood policies as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Washington carries a statewide average premium of $1,232 per year.
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)