Home Insurance in Tillamook, Oregon
With a median home value of $298,800, Tillamook is 31% 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 Tillamook was built around 1948. About 58% of homes were built before 1960, about 30 points above Tillamook County's 28%.
Housing in Tillamook breaks down to 61% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tillamook, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tillamook has an owner-occupancy rate of 43% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
85% of homes in Tillamook are primarily heated with electricity.
Tillamook County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $298,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)