Home Insurance in Durham, Oregon
With a median home value of $759,600, Durham is 29% higher than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Durham was built around 1990. About 2% of homes were built before 1960, about 7 points below Washington County's 10%.
Housing in Durham breaks down to 34% single-family homes, 62% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Durham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Durham has an owner-occupancy rate of 32% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Durham - 67% - are primarily heated with electricity.
FEMA rates Washington County's overall risk as Relatively High, led by earthquake (Relatively High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $759,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)