Home Insurance in Renton, Washington
With a median home value of $672,600, Renton is 22% lower than the King County median.
The typical home in Renton was built around 1988. About 14% of homes were built before 1960, about 8 points below King County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Renton is 58% single-family homes, 33% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Renton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Renton are owner-occupied.
In Renton, 56% of homes are primarily heated with electricity.
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 | $672,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)