Home Insurance in Normandy Park, Washington
With a median home value of $1,014,100, Normandy Park is 18% higher than the King County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Normandy Park was built around 1962. About 47% of homes were built before 1960, about 24 points above King County's 23%.
The housing stock in Normandy Park is 85% single-family homes and 14% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Normandy Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Normandy Park are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Normandy Park - 56% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Normandy Park? 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.
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 | $1,014,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)