Home Insurance in Garibaldi, Oregon
Homes in Garibaldi carry a median value of $344,700 - 20% lower than the Tillamook County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Garibaldi was built around 1969. About 39% of homes were built before 1960, about 11 points above Tillamook County's 28%.
In Garibaldi, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Garibaldi, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Garibaldi are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Garibaldi, 86% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Garibaldi? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Tillamook County and 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.
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 | $344,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)