What is a typical home insurance cost in Oregon?
Our current modeled benchmark is $1,600 per year, with a broad modeled range of $1,344 to $1,888. This is not a published state average or insurer quote; it is a comparative model anchored to NAIC's 2024 Western regional premium average and adjusted using local housing and recent severe-weather data.
Cost by home value in Oregon
These are model scenarios, not carrier quotes. Home value changes the benchmark sublinearly because insurance coverage and pricing do not move one-for-one with market value.
| Home value | Low | Midpoint | High |
|---|---|---|---|
| $200,000 | $1,087 | $1,293 | $1,526 |
| $300,000 | $1,268 | $1,509 | $1,781 |
| $400,000 | $1,414 | $1,683 | $1,986 |
| $500,000 | $1,539 | $1,832 | $2,162 |
| $750,000 | $1,795 | $2,137 | $2,522 |
| $1,000,000 | $2,003 | $2,384 | $2,814 |
| $1,500,000 | $2,337 | $2,782 | $3,282 |
Why Oregon costs can differ
Most common recent NOAA event types: Heavy Snow (311), High Wind (306), Frost/Freeze (214), Winter Storm (175), Excessive Heat (133).
Counties and cities
What the number means
The modeled benchmark combines a published NAIC regional homeowners premium anchor with Census housing values and NOAA severe-weather frequency. It is designed to answer comparative research questions consistently while avoiding the false precision of calling a modeled ZIP or city figure an observed insurance premium.