Home Insurance in Edmonds, Washington
Homes in Edmonds carry a median value of $890,100 - 28% higher than the Snohomish County median.
The typical home in Edmonds was built around 1974. About 19% of homes were built before 1960, about 7 points above Snohomish County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Edmonds breaks down to 64% single-family homes and 29% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Edmonds have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Edmonds are owner-occupied.
50% of homes in Edmonds are primarily heated with natural gas.
Snohomish County had 2,102 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Snohomish 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 | $890,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Snohomish County | 2,102 |
| 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)