Home Insurance in Warrenton, Oregon
Homes in Warrenton carry a median value of $415,800 - 11% lower than the Clatsop County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Warrenton was built around 1983. About 24% of homes were built before 1960, about 13 points below Clatsop County's 38%.
The housing stock in Warrenton is 68% single-family homes, 10% apartments in buildings with 5+ units and 8% 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.
About 66% of owner-occupied homes in Warrenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Warrenton are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Warrenton are primarily heated with natural gas.
Clatsop County had 1,288 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $415,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)