Go to WSRB
Go to BuildingMetrix

About the Company 

Who we are and how we serve insurers, agents and Washington state residents  

CEO Perspective

Engaging thought leadership on key insurance industry issues from our CEO 

Meet the Team

Get to know the team behind WSRB’s trusted data and excellent customer service 


Learn about the benefits of working at WSRB and apply for open positions  

Underwriting Property

A guide to key risks in Washington state: fire, wildfire and earthquakes.

Help Center

Self-serve articles on how to use our products. Available 24/7. 

Commercial Property

Information on Loss Costs, policy rating and assessment tools 


Weekly newsletter covering the P&C industry, curated by our experts. 

Protection Classes

The evaluation process explained from start to finish.


News on emerging risks as well as our latest products. 


In-depth content on essential insurance topics.

Industry Toolkit

Links to help you work smarter and serve your customers.  

The Mystery of the Missing 13th Floor

September 10, 2019

This Friday is the 13th, so we've updated one of our most popular blog posts. Read on to learn more about why so many buildings don't have a 13th floor.

Throughout history, the number 13 is associated with bad luck and a sense of impending doom. There’s even a term for extreme fear of the number: triskaidekaphobia — which if you try to say that out loud, it might be unlucky for your tongue.

Fear of the number 13: triskaidekaphobia dictionary screenshot


In honor of the upcoming Friday the 13th, we’re taking a look at the mystery of the missing 13th floor. The majority of buildings don’t have one, and this post will explore the reasons why.

Coincidentally, there is a connection between insurance and the 13th floor, but not in terms of risk. The first skyscraper — the Home Insurance Building, constructed in Chicago in 1885 — was built as the regional headquarters for an insurance company and did not have a 13th floor.

Lest you think the superstition has died down since then, consider this. Across the street from the WSRB office, a 38-story hotel and condominium building recently opened, and, like the Chicago Home Insurance Building, this new tower also lacks a 13th floor.

A building being constructed without a 13th floorMany skyscrapers are built without a 13th floor, primarily due to superstition.


Mezzanine vs. Floor: What's the Difference?


Since the introduction of modern skyscrapers, owners have continued to worry about superstitious tenants refusing to inhabit that “unlucky” floor. The Otis Elevator Company reports that 80 to 90% of the elevators it has installed in skyscrapers and large hotels do not have a 13th floor button. The lack of a 13th floor is especially common in residential buildings. Perhaps people don't mind spending 40 hours a week working on the 13th floor, but they consider sleeping, eating and playing there too much.

An elevator panel without a 13th floor buttonTaking the elevator to the 13th floor makes some people feel worried, so builders come up with alternatives like floor 12A. 

On the flip side, the iconic Empire State Building does have a 13th floor. Triskaidekaphobic tenants aside, for 40 years it stood as the tallest building in the world (1931–1972). And it held the record longer than any of the other eight buildings that held it during the last century.

Where did a fear of the number 13 begin? Nobody knows for sure, but it’s an ancient phenomenon.

At the Last Supper, Judas was the 13th guest. In Norse mythology, Loki crashed a banquet of a dozen gods. As the 13th partygoer, he caused a celestial uproar when he killed one of these divine guests with a poison arrow. In many old stories, three might be a crowd, but 13 turns tragic.

Of course, we all remember Apollo "Failure is not an option" 13. Not the most successful lunar mission.

In the past, you could even turn superstition about the number 13 into an occupation. A 1977 article in the New York Times entitled “13th Floor, Anyone?” explains:

An aversion to 13 at the table became entrenched in the modern world, particularly in France, where if 13 guests somehow ended up on an invitation list a 14th was hurriedly pressed into service. Some Frenchmen — known as quatorzes — earned a living by attending dinner parties to sit in the 14th chair.

However, 13 isn’t all bad. Taylor Swift was born on December 13th and considers 13 her lucky number. If you get a baker’s dozen at the bagel or donut shop, that 13th one is still pretty tasty.

Back to the Home Insurance Building. It turns out the owner wasn’t superstitious after all. The reason it didn’t have a 13th floor was because it was only 10 stories high. Even after an addition in 1890, its maximum height was only 12 stories.

With that story, this post comes to an end. Here’s wishing you a safe, lucky and claims-free Friday, September 13th.

Robert Lacy, WSRB's Vice President, Inspection Services & Professional Development, oversees our team of commercial property analysts as they produce advisory Loss Costs, commercial property reports and evaluate automatic fire sprinkler systems. He is involved in the annual evaluation of our Loss Cost levels and ensuring we are current on coding and rating issues for commercial property. He also works to encourage continual professional development for all WSRB employees.



Like our blog? Check out InsuranceEDGE. We curate the week’s must-read stories from top industry sources. You stay informed and save time.


You May Also Like

These stories on holidays

blog listing blog sign up

Sign up for our blog