Home Insurance in King City, Oregon
With a median home value of $423,700, King City is 28% lower than the Washington County median.
The typical home in King City was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, in line with Washington County (10%).
In King City, the housing stock is 71% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In King City, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
King City has an owner-occupancy rate of 81% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In King City, 58% of homes are primarily heated with natural gas.
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.
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 | $423,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)