Home Insurance in Bay City, Oregon
Homes in Bay City carry a median value of $393,600 - 9% lower than the Tillamook County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bay City was built around 1978. About 34% of homes were built before 1960, about 6 points above Tillamook County's 28%.
The housing stock in Bay City is 81% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Bay City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Bay City are owner-occupied.
Most homes in Bay City - 80% - 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.
FEMA rates Tillamook County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Tillamook County had 1,349 active NFIP flood policies as of September 2026. See the full Tillamook 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 | $393,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Tillamook County | 1,349 |
| 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)