Flood insurance cost · Tillamook County, OR

Flood insurance cost in Tillamook County, Oregon

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,064 home policies in force on August 31, 2026.

Tillamook County, OregonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,427a year

Half of insured homes paid between $1,235 and $1,615. That is 25% more than the Oregon median ($1,146). Most insured homes here are rated in zone X (56%).

$0$1,235 · $1,427 · $1,615$2,019

+13.7% vs Aug 31, 2025 (median $1,255)

1,064home policies in force

$1,572average cost (mean)

44%of insured homes in high-risk zones (A, V)

$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Tillamook County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,578	$1,393–$2,206	$1,812	87 (8%)	+12.5%
Zone AE High risk	$1,499	$1,171–$2,050	$1,770	332 (31%)	+15.0%
Zone A High risk	$1,518	$1,220–$2,483	$1,958	37 (3%)	+17.4%
Zone AO High risk, shallow	$1,326	$1,186–$1,691	$1,450	12 (1%)	+16.8%
Zone X Moderate to low risk	$1,393	$1,259–$1,491	$1,405	595 (56%)	+14.6%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Tillamook County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	959	$1,427	$1,568
2–4 unit building	27	$1,448	$1,700
Manufactured (mobile) home	46	$1,434	$1,771
Condo or apartment unit	32	$1,333	$1,271
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	15	$5,550	$13,048
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	80	$2,760	$3,544

1,159NFIP policies in force, any building

1,353insured units (condo association policies count every unit)

81%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Tillamook County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	1,149	1,064	−7.4%
Median annual cost	$1,255	$1,427	+13.7%
Average annual cost	$1,412	$1,572	+11.3%
All policies in force (any building)	1,248	1,159	−7.1%

How many homes have flood insurance?

5.7%of all homes in Tillamook County have an NFIP policy

30.0%of homes in high-risk zones (special flood hazard area) have one

18,963residential buildings counted by FEMA

1,611of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Tillamook County, Oregon have filed 754 flood claims. 612 received a payment, for a total of $15.2 million (an average of $24,859 per paid claim). The year with the most claims was 1999 (137 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (16)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	12	11	$138,661	$12,606
2015	83	69	$1,905,919	$27,622
2011	10	<10	–	–
2009	15	12	$75,585	$6,299
2008	10	<10	–	–
2007	76	66	$1,257,325	$19,050
2006	93	85	$3,818,008	$44,918
2003	10	<10	–	–
1999	137	114	$2,477,762	$21,735
1998	49	37	$1,830,101	$49,462
1996	99	86	$2,263,646	$26,321
1995	14	10	$92,742	$9,274
1991	11	10	$150,510	$15,051
1990	28	23	$327,406	$14,235
1982	18	16	$41,092	$2,568
1980	15	13	$69,705	$5,362

From 2016 to 2026: 12 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Unincorporated Tillamook County (693 home policies) · Rockaway Beach (179 home policies) · Manzanita (124 home policies) · Tillamook (39 home policies) · Nehalem (10 home policies)