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Home insurance & flood costs in ZIP 97479 (Sutherlin, OR)

Plain facts for homeowners in Sutherlin: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 97479 at a glance

Four numbers most homeowners ask about first.

$889
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.41%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

3.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 97479 in numbers
$14,490
average paid claim (2022)
+15%
premium change 2018–2022, after inflation
1.48%
cancelled by insurers mid-term (2022)
6
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 97479 was $889 in 2022, 17% below the Douglas County typical ZIP ($1,070) and 43% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 15% between 2018 and 2022. About 3.1% of policies here had a paid claim in 2022, and insurers chose not to renew 0.41% of policies.

Douglas County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 97479DouglasU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 6 single-family NFIP policies took effect in ZIP 97479 in 2025, too few for a meaningful average. The Douglas County average was $1,656.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Douglas County

The chart shows the share of homeowners policies in ZIP 97479 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Douglas County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Wildfire98 · Relatively High
  • Earthquake97 · Relatively Moderate
  • Landslide95 · Relatively Moderate
  • Inland flooding95 · Relatively High
  • Heat wave87 · Relatively Moderate

Other ZIP codes in Douglas County

Average premium per policy in 2022 (Treasury FIO).

97457 Myrtle Creek · $1,00197470 Roseburg · $98197471 Roseburg · $99997496 Winston · $859

Practical next steps

Simple things homeowners in ZIP 97479 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

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.