Home Insurance in Oregon City, Oregon
With a median home value of $555,800, Oregon City is 9% lower than the Clackamas County median.
The typical home in Oregon City was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, in line with Clackamas County (16%).
The housing stock in Oregon City is 73% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 75% of owner-occupied homes in Oregon City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oregon City has an owner-occupancy rate of 65% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
56% of homes in Oregon City are primarily heated with natural gas.
Clackamas County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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.
In Oregon, the statewide average premium for a standard HO-3 homeowners policy is $1,003 per year (NAIC, 2023 data).
Key figures
| Median home value | $555,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)