Home Insurance in Astoria, Oregon
With a median home value of $444,800, Astoria is 5% lower than the Clatsop County median.
The typical home in Astoria was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 63% of homes were built before 1960, about 25 points above Clatsop County's 38%.
In Astoria, the housing stock is 66% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Astoria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 54% of occupied homes in Astoria are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Astoria are primarily heated with natural gas.
FEMA rates Clatsop County's overall risk as Relatively High, led by earthquake (Relatively Moderate). Clatsop County had 1,288 active NFIP flood policies as of September 2026. See the full Clatsop 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 | $444,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clatsop County | 1,288 |
| 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)