Oregon Home Insurance
Oregon's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$1,000/yr
Dominant risk
Wildfire & earthquake
Hazard tier
Medium
Estimate your Oregon home insurance
Estimated annual home insurance
$1,911
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Oregon home insurance: what to know
Oregon premiums are low overall, but wildfire and Cascadia earthquake risk are growing concerns not covered by standard policies.
Even in a moderate-hazard state like Oregon, standard policies exclude flood and earthquake — check whether your specific location needs either, and insure your home to full replacement cost rather than market value.
Oregon home insurance FAQ
How much does home insurance cost in Oregon?
Homeowners insurance in Oregon averages roughly $1,000 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Oregon?
The dominant natural risk in Oregon is wildfire & earthquake. Oregon premiums are low overall, but wildfire and Cascadia earthquake risk are growing concerns not covered by standard policies.
Does Oregon home insurance cover floods and earthquakes?
No. Standard homeowners policies in Oregon — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement.
How can I lower my home insurance in Oregon?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. Discounts for a new roof, security and water-leak sensors, and a claims-free history add up. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.