"The latest American Community Survey (ACS) data from the U.S. Census Bureau shows that in 2024, homeowners in the District of Columbia with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance. Those without a mortgage report the same range, with overall statewide costs also falling in the $1,000-$1,499 bracket. DC has 134,836 insured homeowner households in total-100,134 with a mortgage and 34,702 without. Among mortgaged owners, 7,660 pay less than $100 annually and 7,678 pay $4,000 or more."
"Homeowners in Washington, D.C. face mid-level insurance premiums compared to both nearby Mid-Atlantic states and the broader U.S. While costs are not as high as in coastal, climate-vulnerable regions, they are also not among the lowest. Article continues below this ad Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report provide a snapshot of how D.C. fits into the national picture."
Homeowners in Washington, D.C. experience mid-level insurance premiums compared with nearby Mid-Atlantic states and the national landscape. Typical annual homeowners insurance costs in 2024 fall in the $1,000–$1,499 range for mortgaged and non-mortgaged owners. The District has 134,836 insured homeowner households, including 100,134 with mortgages and 34,702 without, with small groups paying under $100 or $4,000 and above. Maryland and Virginia show similar averages, while Delaware is somewhat more affordable for non-mortgaged owners. Southern coastal metros face the highest burdens, with places like Miami averaging $22,718 annually.
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