Home insurance costs & natural hazards in Oregon
Plain facts for Oregon homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Oregon at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Oregon pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Oregon ZIP code saw homeowners premiums of $1,153 per policy in 2022, 26% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 14% between 2018 and 2022. The figures come from 342 Oregon ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 14,236 single-family NFIP policies took effect in Oregon in 2025, at an average full cost of $1,263, compared with $1,019 in 2022. About 62% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Oregon's 36 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, winter weather and earthquake. Open any county for its full hazard profile.
Hazards across Oregon's counties
Oregon counties
All 36 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Baker County | $1,159 | $580 | Relatively Low |
| Benton County | $1,049 | $1,041 | Relatively Moderate |
| Clackamas County | $1,259 | $1,465 | Relatively High |
| Clatsop County | $1,291 | $1,429 | Relatively High |
| Columbia County | $1,186 | $1,452 | Relatively Low |
| Coos County | $1,085 | $1,519 | Relatively Moderate |
| Crook County | $1,387 | $923 | Very Low |
| Curry County | $1,251 | $1,251 | Relatively Moderate |
| Deschutes County | $1,185 | $1,329 | Relatively Moderate |
| Douglas County | $1,070 | $1,656 | Relatively Moderate |
| Gilliam County | $1,113 | — | Very Low |
| Grant County | $1,219 | $1,421 | Very Low |
| Harney County | $1,167 | $1,057 | Very Low |
| Hood River County | $1,218 | $1,416 | Very Low |
| Jackson County | $1,146 | $1,103 | Relatively Moderate |
| Jefferson County | $1,183 | $1,148 | Very Low |
| Josephine County | $1,286 | $1,518 | Relatively Moderate |
| Klamath County | $1,144 | $1,273 | Relatively Low |
| Lake County | $1,146 | $656 | Very Low |
| Lane County | $1,139 | $1,237 | Relatively High |
| Lincoln County | $1,177 | $1,479 | Relatively Moderate |
| Linn County | $1,027 | $1,203 | Relatively Moderate |
| Malheur County | $1,182 | $1,098 | Very Low |
| Marion County | $1,061 | $971 | Relatively High |
| Morrow County | $1,019 | $1,906 | Very Low |
| Multnomah County | $1,181 | $817 | Relatively High |
| Polk County | $1,028 | $998 | Relatively Low |
| Sherman County | $1,199 | — | Very Low |
| Tillamook County | $1,261 | $1,476 | Relatively Moderate |
| Umatilla County | $1,067 | $1,315 | Relatively Moderate |
| Union County | $1,123 | $846 | Relatively Low |
| Wallowa County | $1,334 | $1,579 | Very Low |
| Wasco County | $1,116 | $1,277 | Relatively Low |
| Washington County | $1,172 | $1,032 | Relatively High |
| Wheeler County | $1,233 | — | Very Low |
| Yamhill County | $1,144 | $1,382 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Oregon homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.