Home Insurance in North Plains, Oregon
With a median home value of $587,500, North Plains is close to the Washington County median.
The typical home in North Plains was built around 2000. About 9% of homes were built before 1960, about 1 point below Washington County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in North Plains is 94% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
79% of owner-occupied homes in North Plains carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in North Plains are owner-occupied.
Most homes in North Plains - 63% - 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.
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 | $587,500 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)