Home Insurance in Kitsap County, Washington
With a median home value of $555,100, Kitsap County is close to the Washington median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kitsap County was built around 1986. About 17% of homes were built before 1960, about 3 points below Washington's 20%.
The housing stock in Kitsap County is 75% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in Kitsap County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Kitsap County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Kitsap County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Kitsap County's top hazards are earthquake (Relatively High), coastal flooding (Relatively Moderate) and inland flooding (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Kitsap County had 897 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $555,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Coastal Flooding (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 897 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
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)