Home Insurance in Clatskanie, Oregon
Homes in Clatskanie carry a median value of $363,900 - 14% lower than the Columbia County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clatskanie was built around 1977. About 30% of homes were built before 1960, about 5 points above Columbia County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clatskanie is 70% single-family homes, 8% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
66% of owner-occupied homes in Clatskanie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Clatskanie are owner-occupied.
In Clatskanie, 91% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Clatskanie? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Columbia County and Columbia County had 530 active NFIP flood policies as of September 2026. See the full Columbia 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 | $363,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Columbia County | 530 |
| 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)