Oregon
Home insurance overview — 342 ZIP codes, 258 cities
Avg Premium (2025 Est.)
$1,399
+16.8% from 2022
Nonrenewal Rate
0.88%
5yr Storm Damage
$60.8M
Oregon Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Weston | 1 | $1,656 | 66 | High |
| Fossil | 1 | $1,459 | 64 | High |
| Butte Falls | 1 | $1,502 | 63 | High |
| Trail | 1 | $1,693 | 62 | High |
| Lostine | 1 | $1,639 | 62 | High |
| Hebo | 1 | $1,690 | 61 | High |
| Prospect | 1 | $1,757 | 60 | Elevated |
| Beaver | 1 | $1,534 | 59 | Elevated |
| Adams | 1 | $1,524 | 58 | Elevated |
| Mapleton | 1 | $1,349 | 57 | Elevated |
| Mosier | 1 | $1,948 | 56 | Elevated |
| O'Brien | 1 | $1,456 | 56 | Elevated |
| Oceanside | 1 | $1,867 | 54 | Elevated |
| Sumpter | 1 | $1,412 | 53 | Elevated |
| Crane | 1 | $1,345 | 53 | Elevated |
| Prairie City | 1 | $1,392 | 53 | Elevated |
| Westfir | 1 | $1,339 | 52 | Elevated |
| Government Camp | 1 | $1,973 | 52 | Elevated |
| Glendale | 2 | $1,514 | 52 | Elevated |
| Elgin | 1 | $1,371 | 52 | Elevated |
| Imbler | 1 | $1,372 | 52 | Elevated |
| John Day | 1 | $1,475 | 51 | Elevated |
| Canyon City | 1 | $1,427 | 51 | Elevated |
| Echo | 1 | $1,532 | 51 | Elevated |
| Summerville | 1 | $1,913 | 50 | Elevated |
| North Powder | 1 | $1,227 | 50 | Elevated |
| Umapine | 1 | $1,299 | 50 | Elevated |
| Oakridge | 2 | $1,546 | 49 | Elevated |
| Union | 1 | $1,226 | 49 | Elevated |
| Kerby | 1 | $1,570 | 49 | Elevated |
| Black Butte Ranch | 2 | $1,874 | 48 | Elevated |
| Takilma | 1 | $1,410 | 48 | Elevated |
| Crescent Lake | 1 | $1,439 | 48 | Elevated |
| Mount Hood | 1 | $1,632 | 48 | Elevated |
| Banks | 2 | $1,724 | 48 | Elevated |
| Rickreall | 1 | $1,638 | 48 | Elevated |
| Stanfield | 1 | $1,064 | 47 | Elevated |
| Merlin | 1 | $1,556 | 47 | Elevated |
| Hines | 1 | $1,402 | 47 | Elevated |
| Vale | 1 | $1,387 | 47 | Elevated |
| Prineville | 1 | $2,061 | 47 | Elevated |
| Sunriver | 1 | $1,873 | 47 | Elevated |
| Lowell | 2 | $1,480 | 47 | Elevated |
| Powers | 1 | $1,397 | 47 | Elevated |
| Ontario | 1 | $1,446 | 47 | Elevated |
| Selma | 2 | $1,487 | 47 | Elevated |
| Wallowa Lake | 1 | $1,520 | 47 | Elevated |
| Neskowin | 1 | $1,880 | 47 | Elevated |
| Depoe Bay | 2 | $1,488 | 47 | Elevated |
| Wallowa | 1 | $1,637 | 46 | Elevated |
| Cove | 1 | $1,500 | 46 | Elevated |
| Blodgett | 1 | $1,619 | 46 | Elevated |
| Camp Sherman | 1 | $1,650 | 46 | Elevated |
| Williams | 1 | $1,680 | 46 | Elevated |
| Gilchrist | 1 | $1,274 | 46 | Elevated |
| Moro | 1 | $1,331 | 45 | Elevated |
| Dunes City | 1 | $1,372 | 45 | Elevated |
| Huntington | 1 | $1,451 | 45 | Elevated |
| Mount Vernon | 1 | $1,637 | 45 | Elevated |
| Cascadia | 1 | $1,463 | 44 | Elevated |
| Cherry Grove | 1 | $1,572 | 44 | Elevated |
| Jasper | 3 | $1,583 | 44 | Elevated |
| Foots Creek | 1 | $1,428 | 44 | Elevated |
| Deer Island | 1 | $1,563 | 44 | Elevated |
| Athena | 1 | $1,335 | 43 | Elevated |
| Hermiston | 1 | $1,127 | 43 | Elevated |
| Bly | 1 | $1,279 | 43 | Elevated |
| Boring | 2 | $1,595 | 43 | Elevated |
| Siletz | 2 | $1,319 | 43 | Elevated |
| Mount Angel | 1 | $1,222 | 43 | Elevated |
| Tutuilla | 1 | $1,257 | 43 | Elevated |
| Warm Springs | 1 | $1,615 | 43 | Elevated |
| Cheshire | 2 | $1,476 | 43 | Elevated |
| Malin | 1 | $1,246 | 43 | Elevated |
| Falls City | 1 | $1,232 | 42 | Elevated |
| Heppner | 1 | $1,392 | 42 | Elevated |
| Halfway | 1 | $1,706 | 42 | Elevated |
| Bayside Gardens | 1 | $1,522 | 42 | Elevated |
| McKay | 1 | $1,171 | 42 | Elevated |
| Pacific City | 2 | $1,449 | 41 | Elevated |
| Manzanita | 2 | $1,798 | 41 | Elevated |
| Umatilla | 1 | $1,005 | 41 | Elevated |
| Oregon Shores | 1 | $1,388 | 41 | Elevated |
| Mount Hood Villages | 4 | $1,558 | 41 | Elevated |
| Elkton | 1 | $1,300 | 41 | Elevated |
| Wheeler | 1 | $1,321 | 41 | Elevated |
| Lake Oswego | 2 | $2,060 | 40 | Moderate |
| Tangent | 1 | $1,177 | 40 | Moderate |
| Estacada | 1 | $1,420 | 40 | Moderate |
| Mill City | 1 | $1,296 | 40 | Moderate |
| Cannon Beach | 1 | $1,808 | 40 | Moderate |
| San Marine | 1 | $1,341 | 40 | Moderate |
| Neotsu | 1 | $1,438 | 40 | Moderate |
| Pine Grove | 1 | $1,313 | 40 | Moderate |
| Fort Hill | 1 | $1,316 | 40 | Moderate |
| Klamath Falls | 1 | $1,347 | 39 | Moderate |
| Mulino | 1 | $1,661 | 39 | Moderate |
| Lakeview | 1 | $1,533 | 39 | Moderate |
| Enterprise | 1 | $1,548 | 39 | Moderate |
| Days Creek | 3 | $1,454 | 39 | Moderate |
| Forest Grove | 2 | $1,409 | 39 | Moderate |
| Dexter | 1 | $1,482 | 39 | Moderate |
| Grand Ronde | 1 | $1,221 | 39 | Moderate |
| Riddle | 1 | $1,197 | 39 | Moderate |
| Wimer | 1 | $1,395 | 39 | Moderate |
| Grants Pass | 2 | $1,300 | 38 | Moderate |
| Carlton | 1 | $1,301 | 38 | Moderate |
| Vernonia | 1 | $1,355 | 38 | Moderate |
| Rose Lodge | 1 | $1,410 | 38 | Moderate |
| Seaside | 1 | $1,523 | 38 | Moderate |
| Butteville | 1 | $1,579 | 38 | Moderate |
| Beavercreek | 2 | $1,704 | 38 | Moderate |
| Clatskanie | 1 | $1,396 | 38 | Moderate |
| La Grande | 1 | $1,282 | 38 | Moderate |
| West Linn | 1 | $1,957 | 38 | Moderate |
| Bay City | 1 | $1,236 | 37 | Moderate |
| Ruch | 1 | $1,562 | 37 | Moderate |
| Gates | 1 | $1,449 | 37 | Moderate |
| Shedd | 1 | $1,349 | 37 | Moderate |
| La Pine | 1 | $1,404 | 37 | Moderate |
| Warrenton | 2 | $1,383 | 37 | Moderate |
| Dufur | 1 | $1,284 | 37 | Moderate |
| Lonerock | 1 | $1,339 | 37 | Moderate |
| Marcola | 1 | $1,344 | 37 | Moderate |
| Culver | 1 | $1,394 | 37 | Moderate |
| Yoncalla | 1 | $1,135 | 37 | Moderate |
| Crooked River Ranch | 1 | $1,413 | 36 | Moderate |
| Waldport | 3 | $1,279 | 36 | Moderate |
| Gold Beach | 1 | $1,510 | 36 | Moderate |
| Rhododendron | 1 | $1,367 | 36 | Moderate |
| St. Paul | 1 | $1,662 | 36 | Moderate |
| Crabtree | 1 | $1,562 | 36 | Moderate |
| Haines | 1 | $1,469 | 36 | Moderate |
| Sheridan | 1 | $1,323 | 35 | Moderate |
| Baker City | 1 | $1,333 | 35 | Moderate |
| Portland | 26 | $1,654 | 35 | Moderate |
| Astoria | 1 | $1,502 | 35 | Moderate |
| Juniper Canyon | 2 | $1,179 | 35 | Moderate |
| Ashland | 1 | $1,559 | 35 | Moderate |
| Irrigon | 1 | $1,158 | 35 | Moderate |
| Lincoln Beach | 1 | $1,557 | 35 | Moderate |
| Rockaway Beach | 1 | $1,184 | 35 | Moderate |
| Pleasant Valley | 1 | $1,411 | 35 | Moderate |
| Tri-City | 1 | $1,197 | 35 | Moderate |
| Warren | 1 | $1,484 | 35 | Moderate |
| Rainier | 1 | $1,463 | 34 | Moderate |
| Richland | 1 | $1,302 | 34 | Moderate |
| Alsea | 2 | $1,282 | 34 | Moderate |
| The Dalles | 1 | $1,222 | 34 | Moderate |
| Tygh Valley | 1 | $1,251 | 34 | Moderate |
| Bend | 3 | $1,561 | 34 | Moderate |
| Lookingglass | 2 | $1,452 | 34 | Moderate |
| Bandon | 1 | $1,320 | 34 | Moderate |
| Nyssa | 1 | $1,370 | 33 | Moderate |
| Happy Valley | 2 | $1,494 | 33 | Moderate |
| Fair Oaks | 1 | $1,275 | 33 | Moderate |
| Molalla | 1 | $1,368 | 33 | Moderate |
| Gervais | 1 | $1,132 | 33 | Moderate |
| Detroit | 1 | $1,222 | 33 | Moderate |
| Shady Cove | 1 | $1,409 | 33 | Moderate |
| Winchester Bay | 2 | $1,252 | 33 | Moderate |
| Elmira | 2 | $1,291 | 33 | Moderate |
| Toledo | 1 | $1,325 | 33 | Moderate |
| Langlois | 1 | $1,579 | 33 | Moderate |
| Garibaldi | 1 | $1,206 | 33 | Moderate |
| Amity | 1 | $1,654 | 32 | Moderate |
| North Plains | 1 | $1,376 | 32 | Moderate |
| Damascus | 1 | $1,585 | 32 | Moderate |
| Merrill | 1 | $1,469 | 32 | Moderate |
| Columbia City | 1 | $1,313 | 32 | Moderate |
| Winston | 3 | $1,181 | 32 | Moderate |
| Silverton | 1 | $1,370 | 32 | Moderate |
| Phoenix | 1 | $1,158 | 31 | Moderate |
| Oregon City | 1 | $1,441 | 31 | Moderate |
| Talent | 1 | $1,214 | 31 | Moderate |
| Bethany | 1 | $1,634 | 31 | Moderate |
| Lyons | 1 | $1,400 | 31 | Moderate |
| Oak Grove | 1 | $1,353 | 31 | Moderate |
| Bonanza | 1 | $1,429 | 31 | Moderate |
| Lebanon | 1 | $1,110 | 30 | Moderate |
| Scappoose | 1 | $1,327 | 30 | Moderate |
| Lakeside | 1 | $1,227 | 30 | Moderate |
| Keno | 1 | $1,287 | 30 | Moderate |
| Cottage Grove | 1 | $1,256 | 30 | Moderate |
| Sherwood | 1 | $1,527 | 30 | Moderate |
| Port Orford | 1 | $1,197 | 30 | Moderate |
| Dayton | 1 | $1,302 | 30 | Moderate |
| Newport | 2 | $1,319 | 30 | Moderate |
| Eagle Point | 1 | $1,287 | 30 | Moderate |
| Cornelius | 1 | $1,101 | 30 | Moderate |
| Tualatin | 1 | $1,565 | 30 | Moderate |
| Gresham | 2 | $1,269 | 30 | Moderate |
| Lincoln City | 1 | $1,244 | 29 | Moderate |
| White City | 1 | $1,070 | 29 | Moderate |
| Yamhill | 1 | $1,506 | 29 | Moderate |
| Cascade Locks | 1 | $1,259 | 29 | Moderate |
| Boardman | 1 | $1,136 | 29 | Moderate |
| Brookings | 1 | $1,319 | 29 | Moderate |
| Harrisburg | 1 | $1,177 | 29 | Moderate |
| Stayton | 1 | $1,246 | 29 | Moderate |
| Veneta | 1 | $1,165 | 28 | Moderate |
| North Bend | 1 | $1,248 | 28 | Moderate |
| Wilsonville | 1 | $1,409 | 28 | Moderate |
| Glide | 2 | $1,258 | 28 | Moderate |
| Donald | 1 | $1,066 | 28 | Moderate |
| Coos Bay | 1 | $1,232 | 28 | Moderate |
| Sweet Home | 1 | $1,125 | 28 | Moderate |
| Hood River | 1 | $1,465 | 28 | Moderate |
| Altamont | 1 | $1,159 | 28 | Moderate |
| Arlington | 1 | $1,314 | 28 | Moderate |
| Beaverton | 5 | $1,358 | 28 | Moderate |
| Roseburg | 1 | $1,141 | 28 | Moderate |
| Salem | 6 | $1,210 | 27 | Moderate |
| Hubbard | 1 | $1,214 | 27 | Moderate |
| Dundee | 1 | $1,345 | 27 | Moderate |
| Medford | 2 | $1,173 | 27 | Moderate |
| Eugene | 5 | $1,257 | 27 | Moderate |
| Redmond | 1 | $1,163 | 27 | Moderate |
| Tigard | 2 | $1,338 | 27 | Moderate |
| Troutdale | 1 | $1,296 | 27 | Moderate |
| Milwaukie | 1 | $1,238 | 27 | Moderate |
| Myrtle Point | 1 | $1,257 | 27 | Moderate |
| Junction City | 1 | $1,202 | 26 | Moderate |
| Fairview | 1 | $1,245 | 26 | Moderate |
| St. Helens | 1 | $1,233 | 26 | Moderate |
| Gladstone | 1 | $1,284 | 26 | Moderate |
| Albany | 2 | $1,056 | 26 | Moderate |
| Halsey | 1 | $1,103 | 26 | Moderate |
| Central Point | 1 | $1,186 | 26 | Moderate |
| Roseburg North | 1 | $1,215 | 25 | Moderate |
| Jefferson | 1 | $1,196 | 25 | Moderate |
| Madras | 1 | $1,190 | 25 | Moderate |
| Newberg | 1 | $1,295 | 24 | Moderate |
| Scotts Mills | 1 | $1,571 | 24 | Moderate |
| Canby | 1 | $1,182 | 24 | Moderate |
| Lafayette | 1 | $1,042 | 24 | Moderate |
| Hillsboro | 2 | $1,208 | 24 | Moderate |
| Creswell | 1 | $1,213 | 24 | Moderate |
| Bellfountain | 1 | $1,132 | 24 | Moderate |
| Aloha | 2 | $1,078 | 24 | Moderate |
| Coquille | 1 | $1,240 | 24 | Moderate |
| McMinnville | 1 | $1,239 | 24 | Moderate |
| Sutherlin | 1 | $1,041 | 23 | Moderate |
| Brownsville | 1 | $1,195 | 23 | Moderate |
| Turner | 1 | $1,258 | 23 | Moderate |
| Florence | 1 | $1,120 | 23 | Moderate |
| Sublimity | 1 | $1,139 | 23 | Moderate |
| Springfield | 2 | $1,076 | 22 | Moderate |
| Woodburn | 1 | $972 | 22 | Moderate |
| Aumsville | 1 | $1,185 | 22 | Moderate |
| Philomath | 1 | $1,180 | 22 | Moderate |
| Independence | 1 | $1,061 | 22 | Moderate |
| Dallas | 1 | $1,114 | 21 | Moderate |
| Drain | 1 | $1,217 | 21 | Moderate |
| Keizer | 1 | $1,096 | 21 | Moderate |
| Corvallis | 2 | $1,133 | 20 | Low |
| Monmouth | 1 | $1,128 | 18 | Low |
| Santa Clara | 1 | $1,025 | 18 | Low |
Compare home insurance quotes in your area
See rates from top carriers. It takes 2 minutes and could save you hundreds.
Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.
Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.