Home Insurance in Bremerton, Washington
Homes in Bremerton carry a median value of $439,400 - 21% lower than the Kitsap County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bremerton was built around 1969. About 42% of homes were built before 1960, about 24 points above Kitsap County's 17%.
In Bremerton, the housing stock is 58% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Bremerton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bremerton has an owner-occupancy rate of 48% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Bremerton, 58% of homes are primarily heated with electricity.
FEMA rates Kitsap County's overall risk as Relatively Moderate, led by earthquake (Relatively High). Kitsap County had 897 active NFIP flood policies as of September 2026. See the full Kitsap 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 | $439,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Kitsap County | 897 |
| 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)