Home Insurance in Beaverton, Oregon
With a median home value of $569,800, Beaverton is close to the Washington County median.
The typical home in Beaverton was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 2 points below Washington County's 10%.
The housing stock in Beaverton is 53% single-family homes and 38% apartments in buildings with 5+ units.
In Beaverton, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Beaverton are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beaverton, 56% of homes are primarily heated with electricity.
Washington County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Washington County had 1,460 active NFIP flood policies as of September 2026. See the full Washington 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 | $569,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Washington County | 1,460 |
| 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)