HomeInsuranceQts

Home Insurance in Woodinville, Washington

With a median home value of $1,100,100, Woodinville is 28% higher than the King County median.

The typical home in Woodinville was built around 1995. 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%.

Housing in Woodinville breaks down to 55% single-family homes and 43% apartments in buildings with 5+ units.

About 75% of owner-occupied homes in Woodinville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Woodinville has an owner-occupancy rate of 57% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

Most homes in Woodinville - 51% - 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.

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$1,100,100
Median year built1995
Owner-occupied share57%
Share of owner-occupied homes with a mortgage75%
Top county hazardEarthquake (Very High)
Active NFIP policies in King County6,820
Home insurance premium$1,232 - statewide average (NAIC, 2023 data)
Key home insurance figures for Woodinville, WA

Nearby towns

Sources

Data last updated: 2026-09-29