Home Insurance in Duvall, Washington
With a median home value of $830,100, Duvall is close to the King County median.
The typical home in Duvall was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 22 points below King County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Duvall is 86% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 77% of owner-occupied homes in Duvall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Duvall are owner-occupied.
In Duvall, 60% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Duvall? 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.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $830,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)