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District of Columbia Home Insurance Estimator โ€” Updated 2026

State abbreviation: DC

Homeowners insurance in District of Columbia averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $715,000, you should budget 0.20% of its value annually for insurance. Insurance costs here are above the national average.

District of Columbia Financial Data (2026)

State Tax Rate
8.95%
Property Tax Rate
0.85%
Median Home Price
$715,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
137
State Abbreviation
DC