Home Insurance in Edgewood, Washington
The median home value in Edgewood is $712,000, 35% higher than the Pierce County median.
The typical home in Edgewood was built around 1995. About 13% of homes were built before 1960, about 6 points below Pierce County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Edgewood is 74% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Edgewood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Edgewood has an owner-occupancy rate of 68% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Edgewood, 56% of homes are primarily heated with electricity.
Pierce County had 2,517 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Pierce County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $712,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Pierce County | 2,517 |
| 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)