Home Insurance in Clatsop County, Oregon
With a median home value of $468,300, Clatsop County is close to the Oregon median.
The typical home in Clatsop County was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 14 points above Oregon's 23%.
The housing stock in Clatsop County is 72% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clatsop County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clatsop County has an owner-occupancy rate of 63% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
46% of homes in Clatsop County are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), coastal flooding (Very High) and inland flooding (Relatively Low) as the leading hazards for Clatsop County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Clatsop County has 1,288 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $468,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Coastal Flooding (Very High), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 1,288 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)