Home Insurance in Cornelius, Oregon
With a median home value of $452,900, Cornelius is 23% lower than the Washington County median.
The typical home in Cornelius was built around 1992. About 9% of homes were built before 1960, in line with Washington County (10%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Cornelius is 75% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in Cornelius have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Cornelius are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cornelius, 48% of homes are primarily heated with natural gas.
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 | $452,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)