Home Insurance in Barlow, Oregon
With a median home value of $413,600, Barlow is 32% lower than the Clackamas County median.
The typical home in Barlow was built around 1980. About 39% of homes were built before 1960, about 23 points above Clackamas County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Barlow, the housing stock is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Barlow, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 98% of occupied homes in Barlow are owner-occupied.
In Barlow, 61% of homes are primarily heated with electricity.
FEMA rates Clackamas County's overall risk as Relatively High, led by earthquake (Relatively High). Clackamas County had 1,448 active NFIP flood policies as of September 2026. See the full Clackamas 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 Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $413,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Clackamas County | 1,448 |
| Home insurance premium | $1,003 - 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)