Home Insurance in Manzanita, Oregon
The median home value in Manzanita is $777,500, 81% higher 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 Manzanita was built around 1985. About 22% of homes were built before 1960, about 6 points below Tillamook County's 28%.
Housing in Manzanita breaks down to 94% single-family homes and 2% mobile or manufactured homes.
47% of owner-occupied homes in Manzanita carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Manzanita are owner-occupied. The vacancy rate is 78%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Manzanita, 81% of homes are primarily heated with electricity. Homes heated with propane and 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.
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 | $777,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)