Home Insurance in Estacada, Oregon
The median home value in Estacada is $509,800, 17% lower than the Clackamas County median.
The typical home in Estacada was built around 2005. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, in line with Clackamas County (16%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Estacada is 78% single-family homes, 10% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
82% of owner-occupied homes in Estacada carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Estacada are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Estacada - 89% - are primarily heated with electricity.
What's the biggest home insurance risk near Estacada? FEMA's National Risk Index points to earthquake (Relatively High) in Clackamas County and 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 | $509,800 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)