Home Insurance in Waldport, Oregon
With a median home value of $365,900, Waldport is 11% lower than the Lincoln County median.
The typical home in Waldport was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 7 points below Lincoln County's 20%.
The housing stock in Waldport is 72% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Waldport, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Waldport are owner-occupied.
91% of homes in Waldport are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Waldport? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Lincoln County and Lincoln County had 1,521 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $365,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 1,521 |
| 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)