Home Insurance in Johnson City, Oregon
The median home value in Johnson City is $87,800, 86% lower than the Clackamas County median.
The typical home in Johnson City was built around 1991. About 5% of homes were built before 1960, about 11 points below Clackamas County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Johnson City, the housing stock is 4% single-family homes and 95% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Johnson City, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Johnson City are owner-occupied.
In Johnson City, 89% of homes are primarily heated with electricity.
Clackamas County had 1,448 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $87,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)