Home Insurance in Tualatin, Oregon
Homes in Tualatin carry a median value of $628,200 - 7% higher than the Washington County median.
The typical home in Tualatin was built around 1992. About 2% of homes were built before 1960, about 8 points below Washington County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Tualatin breaks down to 58% single-family homes, 30% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Tualatin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Tualatin are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Tualatin, 49% 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 | $628,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)