Home Insurance in Wilsonville, Oregon
With a median home value of $615,300, Wilsonville is close to the Clackamas County median.
The typical home in Wilsonville was built around 1998. About 2% of homes were built before 1960, about 14 points below Clackamas County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Wilsonville breaks down to 51% single-family homes, 41% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Wilsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Wilsonville are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Wilsonville are primarily heated with electricity.
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 | $615,300 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 49% |
| 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)