Home Insurance in Washington County, Oregon
With a median home value of $588,000, Washington County is 23% higher than the Oregon median.
The typical home in Washington County was built around 1990. About 10% of homes were built before 1960, about 13 points below Oregon's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Washington County is 66% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Washington County, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Washington County are owner-occupied.
In Washington County, 50% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively High), inland flooding (Relatively High) and strong wind (Relatively Moderate) as the leading hazards for Washington County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Washington County has 1,460 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $588,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,460 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Banks
- Beaverton
- Cornelius
- Durham
- Forest Grove
- Gaston
- Hillsboro
- King City
- North Plains
- Sherwood
- Tigard
- Tualatin
Sources
- 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)