Home Insurance in Burlington, Washington
With a median home value of $466,400, Burlington is 14% lower than the Skagit County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Burlington was built around 1993. About 18% of homes were built before 1960, about 4 points below Skagit County's 22%.
Housing in Burlington breaks down to 57% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Burlington, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in Burlington are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Burlington, 55% of homes are primarily heated with electricity.
Skagit County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Skagit County had 2,986 active NFIP flood policies as of September 2026. See the full Skagit 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 | $466,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Skagit County | 2,986 |
| 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)