Oregon Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 339 ZIP codes in Oregon (OR).

The verdict

According to U.S. Treasury FIO filings, Oregon ranks #48 of 51 by average premium ($1,199/yr) ≠ #35 of 50 by nonrenewal (0.88%). Cost rank is not withdrawal rank.

$1,199
State avg premium (#48 of 51): #35
Nonrenewal of 50 (0.88%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Oregon vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,199 Among the lowest premiums lower premium than 92% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Oregon pay an average of $1,199 per year for home insurance - 32% below the national average of $1,776. That ranks Oregon as the 48th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 13.9%; loss ratios near 100% suggest insurers are operating on thin margins in this state.

On five-year premium growth (2018–2022), Oregon ranks 7th out of 51 states. Its nonrenewal rate (0.88%) ranks 35th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Oregon Compares

vs National Average

$1,199 vs $1,776

32% below national avg

Rank Among States

48th of 51

most expensive for homeowners insurance

Loss Ratio vs National

87.4% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,199/yr

National avg: $1,776 (-32% below)

Premium Change

+13.9%

2018-2022 change

Avg Loss Ratio

87.4%

Claims paid vs premiums earned

Nonrenewal Rate

0.88%

+4.8% change

Data Snapshot: Oregon Homeowners Insurance

Across the 339 Oregon ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,199. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Oregon homeowner pays, gives $1,289 per year. That is 32% below the national average of $1,776 per year reported by the Federal Insurance Office. Oregon ranks 48th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $859 in 97496 to $2,808 in 97201.

Between 2018 and 2022, average premiums rose by 13.9% in Oregon, placing the state 7th nationally on five-year premium growth. The state-level loss ratio averaged 87.4%, meaning insurers are operating on thin margins, which can precede rate filings. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.88% across the ZIP codes that report one (94% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 4.8% over the study period (ranking 35th out of 50 states).

Within Oregon, premium dispersion across ZIP codes is substantial: the most expensive ZIP (97201 in Portland) charges 227% more than the least expensive (97496 in Winston), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Oregon

Oregon statewide - FIO 2018-2022 average: 87% (Consumer-favorable) - near break-even, premium pressure likely in next renewal cycle.

ZIP Codes Tracked

339

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,052	$1,009	48.6%	2.40%	0.84%
2019	$1,075 (+2.2%)	$1,032	57.2%	3.18%	0.81%
2020	$1,100 (+2.3%)	$1,054	477.1%	5.14%	0.59%
2021	$1,148 (+4.4%)	$1,107	157.4%	3.99%	0.89%
2022	$1,199 (+4.4%)	$1,153	87.4%	3.02%	0.88%

Average homeowners premium per year in Oregon.

Most Expensive ZIP Codes in Oregon

Most Affordable ZIP Codes in Oregon

All ZIP Codes in Oregon

339 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
97201	Portland	$2,808	19.9%	5.64%	1.23%
97205	Portland	$2,650	52.6%	9.47%	N/A
97210	Portland	$2,377	19.0%	3.63%	0.68%
97034	Lake Oswego	$2,053	35.0%	3.22%	0.71%
97231	Portland	$1,906	70.4%	2.27%	0.43%
97209	Portland	$1,844	N/A	N/A	0.94%
97221	Portland	$1,809	35.3%	4.97%	0.56%
97102	Arch Cape	$1,743	6.5%	0.86%	N/A
97028	Government Camp	$1,715	63.4%	0.75%	0.37%
97759	Sisters	$1,682	94.2%	1.65%	0.74%
97753	Powell Butte	$1,676	3.7%	1.07%	0.95%
97068	West Linn	$1,665	62.6%	3.66%	0.48%
97149	Neskowin	$1,628	23.9%	2.08%	0.42%
97434	Dorena	$1,627	59.2%	3.23%	1.61%
97134	Oceanside	$1,619	0.9%	0.86%	0.43%
97019	Corbett	$1,614	41.6%	3.21%	0.76%
97040	Mosier	$1,609	2.1%	0.97%	1.30%
97110	Cannon Beach	$1,589	13.0%	1.22%	0.49%
97239	Portland	$1,589	49.9%	4.62%	0.22%
97876	Summerville	$1,586	74.3%	6.21%	0.62%
97707	Bend	$1,557	20.7%	1.42%	0.70%
97109	Buxton	$1,549	6.0%	2.06%	4.12%
97232	Portland	$1,548	24.1%	2.54%	0.37%
97212	Portland	$1,540	25.1%	2.84%	0.49%
97488	Vida	$1,539	4485.3%	32.57%	1.83%
97410	Azalea	$1,518	114.4%	4.63%	1.85%
97225	Portland	$1,505	32.9%	2.51%	0.36%
97035	Lake Oswego	$1,489	62.7%	3.28%	0.34%
97413	Blue River	$1,440	1030.6%	7.59%	0.66%
97137	Saint Paul	$1,432	8.2%	1.15%	0.57%
97489	Walterville	$1,430	915.4%	12.05%	1.61%
97544	Williams	$1,428	15.7%	2.35%	1.31%
97017	Colton	$1,427	18.2%	1.91%	0.35%
97536	Prospect	$1,426	5.6%	1.00%	1.99%
97730	Camp Sherman	$1,424	126.8%	0.47%	0.93%
97857	Lostine	$1,422	2.1%	0.97%	3.88%
97004	Beavercreek	$1,420	115.6%	3.13%	0.42%
97371	Rickreall	$1,416	79.5%	1.05%	N/A
97101	Amity	$1,415	36.2%	2.43%	0.49%
97227	Portland	$1,413	21.3%	3.06%	0.57%
97086	Happy Valley	$1,412	75.1%	2.66%	0.59%
97229	Portland	$1,412	56.8%	2.54%	0.42%
97042	Mulino	$1,409	42.1%	1.91%	0.64%
97497	Wolf Creek	$1,408	6.8%	1.32%	4.85%
97541	Trail	$1,407	28.3%	1.78%	1.78%
97486	Umpqua	$1,404	5.6%	1.30%	1.30%
97834	Halfway	$1,402	45.1%	1.57%	0.52%
97761	Warm Springs	$1,395	19.9%	2.40%	0.96%
97214	Portland	$1,393	24.5%	2.02%	0.48%
97369	Otter Rock	$1,388	45.2%	3.13%	2.08%
97219	Portland	$1,379	44.6%	2.78%	0.55%
97326	Blodgett	$1,379	N/A	N/A	N/A
97375	Scotts Mills	$1,377	79.9%	4.37%	0.49%
97122	Hebo	$1,376	44.1%	5.63%	1.41%
97450	Langlois	$1,375	2.7%	0.74%	0.74%
97388	Gleneden Beach	$1,375	28.4%	4.13%	0.69%
97041	Mount Hood Parkdale	$1,372	21.8%	2.65%	1.02%
97886	Weston	$1,370	45.1%	3.57%	1.79%
97009	Boring	$1,364	50.9%	3.05%	0.85%
97865	Mount Vernon	$1,352	1.7%	0.62%	0.62%
97089	Damascus	$1,349	50.9%	3.36%	0.29%
97054	Deer Island	$1,346	43.2%	2.68%	0.67%
97002	Aurora	$1,346	104.7%	2.46%	0.47%
97885	Wallowa	$1,345	3003.4%	88.48%	0.92%
97119	Gaston	$1,342	179.4%	3.02%	1.29%
97444	Gold Beach	$1,339	21.9%	1.75%	0.67%
97131	Nehalem	$1,336	6.5%	1.28%	0.82%
97148	Yamhill	$1,335	19.6%	1.82%	0.61%
97412	Blachly	$1,333	45.8%	3.00%	1.00%
97106	Banks	$1,332	109.8%	3.51%	0.30%
97530	Jacksonville	$1,332	78.2%	3.06%	0.79%
97062	Tualatin	$1,330	46.3%	2.59%	0.35%
97374	Scio	$1,328	44.3%	2.25%	0.54%
97438	Fall Creek	$1,326	9.6%	1.70%	1.28%
97108	Beaver	$1,323	10.6%	1.02%	2.04%
97117	Gales Creek	$1,323	6.1%	1.55%	2.33%
97828	Enterprise	$1,323	144.9%	2.45%	0.35%
97522	Butte Falls	$1,317	82.6%	4.00%	4.00%
97138	Seaside	$1,317	58.5%	2.26%	0.76%
97531	Kerby	$1,315	24.7%	4.35%	N/A
97520	Ashland	$1,304	36.2%	2.57%	0.35%
97022	Eagle Creek	$1,301	64.5%	3.14%	1.00%
97532	Merlin	$1,300	60.3%	3.81%	1.21%
97140	Sherwood	$1,299	42.7%	2.52%	0.33%
97810	Adams	$1,299	7.5%	0.97%	N/A
97630	Lakeview	$1,297	12.3%	1.27%	0.73%
97130	Manzanita	$1,294	1.9%	0.77%	0.55%
97824	Cove	$1,293	10.0%	1.72%	0.86%
97543	Wilderville	$1,289	2.1%	1.41%	1.41%
97538	Selma	$1,283	74.9%	2.34%	3.22%
97202	Portland	$1,271	53.6%	2.55%	0.51%
97623	Bonanza	$1,270	15.5%	2.41%	0.69%
97846	Joseph	$1,267	15.4%	1.74%	0.97%
97067	Welches	$1,266	60.5%	3.48%	0.66%
97103	Astoria	$1,265	20.0%	1.77%	0.78%
97455	Pleasant Hill	$1,265	29.6%	2.30%	0.18%
97053	Warren	$1,264	17.9%	1.70%	0.49%
97112	Cloverdale	$1,261	46.5%	1.14%	0.57%
97215	Portland	$1,261	39.0%	2.40%	0.29%
97341	Depoe Bay	$1,259	14.1%	2.12%	0.56%
97048	Rainier	$1,257	31.0%	2.13%	0.71%
97430	Deadwood	$1,256	2.5%	1.20%	N/A
97820	Canyon City	$1,256	25.7%	0.88%	1.32%
97011	Brightwood	$1,253	20.2%	2.16%	0.86%
97135	Pacific City	$1,248	23.6%	1.09%	0.78%
97431	Dexter	$1,245	225.4%	2.34%	0.23%
97429	Days Creek	$1,235	68.4%	4.55%	N/A
97826	Echo	$1,235	7.1%	1.57%	1.57%
97830	Fossil	$1,233	N/A	N/A	2.02%
97345	Foster	$1,231	7.5%	2.11%	N/A
97346	Gates	$1,227	2479.2%	14.65%	1.27%
97045	Oregon City	$1,226	51.7%	2.73%	0.48%
97633	Merrill	$1,225	10.8%	1.73%	0.58%
97141	Tillamook	$1,224	34.5%	2.08%	0.49%
97845	John Day	$1,219	18.9%	1.41%	1.18%
97070	Wilsonville	$1,219	39.0%	2.00%	0.29%
97364	Neotsu	$1,219	14.5%	1.40%	0.70%
97702	Bend	$1,218	48.4%	2.61%	0.48%
97016	Clatskanie	$1,218	13.3%	1.23%	0.77%
97031	Hood River	$1,218	50.3%	2.15%	0.25%
97368	Otis	$1,215	247.8%	3.22%	0.84%
97403	Eugene	$1,212	40.1%	2.31%	0.43%
97534	O Brien	$1,212	159.8%	4.46%	2.68%
97624	Chiloquin	$1,211	106.5%	4.36%	1.06%
97007	Beaverton	$1,210	61.3%	2.49%	0.45%
97419	Cheshire	$1,209	22.0%	1.24%	1.24%
97023	Estacada	$1,208	130.2%	2.60%	0.99%
97055	Sandy	$1,203	41.0%	2.87%	0.92%
97869	Prairie City	$1,199	4.6%	1.55%	1.04%
97039	Moro	$1,199	5.4%	1.37%	1.37%
97133	North Plains	$1,195	24.1%	1.71%	0.62%
97733	Crescent	$1,194	34.3%	2.96%	1.11%
97146	Warrenton	$1,191	26.2%	2.61%	0.75%
97523	Cave Junction	$1,191	27.7%	1.86%	1.24%
97907	Huntington	$1,189	6.7%	1.06%	N/A
97918	Vale	$1,189	56.1%	3.47%	2.48%
97525	Gold Hill	$1,186	38.5%	2.68%	0.89%
97738	Hines	$1,186	15.6%	2.80%	0.76%
97760	Terrebonne	$1,185	25.4%	1.62%	0.97%
97358	Lyons	$1,185	1110.0%	11.20%	0.82%
97701	Bend	$1,184	85.3%	4.55%	0.43%
97734	Culver	$1,183	82.8%	2.04%	0.95%
97380	Siletz	$1,183	16.6%	1.27%	0.51%
97836	Heppner	$1,183	20.5%	2.70%	1.35%
97914	Ontario	$1,182	49.7%	3.71%	1.47%
97211	Portland	$1,181	39.0%	2.57%	0.59%
97049	Rhododendron	$1,181	84.4%	3.80%	0.62%
97498	Yachats	$1,180	28.3%	2.69%	0.90%
97405	Eugene	$1,179	26.1%	2.39%	0.35%
97376	Seal Rock	$1,177	6.1%	2.42%	0.72%
97038	Molalla	$1,176	46.4%	2.27%	0.80%
97539	Shady Cove	$1,173	98.8%	2.64%	0.28%
97473	Scottsburg	$1,172	90.7%	N/A	1.08%
97224	Portland	$1,172	42.9%	2.47%	0.37%
97365	Newport	$1,172	37.8%	2.88%	0.63%
97411	Bandon	$1,170	34.5%	2.17%	0.63%
97442	Glendale	$1,169	33.9%	2.10%	2.40%
97381	Silverton	$1,168	27.3%	1.98%	0.73%
97377	Shedd	$1,168	15.4%	0.69%	N/A
97453	Mapleton	$1,167	41.6%	0.91%	2.28%
97739	La Pine	$1,167	39.8%	2.44%	0.65%
97114	Dayton	$1,164	23.3%	2.92%	1.02%
97115	Dundee	$1,164	35.0%	2.44%	0.67%
97080	Gresham	$1,163	33.6%	2.34%	0.75%
97415	Brookings	$1,163	20.3%	2.12%	0.81%
97466	Powers	$1,160	48.0%	3.97%	2.38%
97833	Haines	$1,159	10.2%	3.10%	N/A
97601	Klamath Falls	$1,154	26.7%	1.74%	0.98%
97064	Vernonia	$1,154	27.7%	1.31%	1.07%
97913	Nyssa	$1,153	69.3%	6.07%	0.89%
97454	Marcola	$1,153	107.6%	3.71%	N/A
97015	Clackamas	$1,149	48.7%	3.20%	0.39%
97390	Tidewater	$1,148	0.4%	0.46%	2.75%
97813	Athena	$1,148	35.5%	4.52%	0.56%
97378	Sheridan	$1,148	23.1%	1.31%	1.01%
97720	Burns	$1,148	7.9%	1.26%	1.08%
97537	Rogue River	$1,146	91.0%	2.97%	0.79%
97461	Noti	$1,145	8.5%	0.81%	0.81%
97111	Carlton	$1,144	24.4%	2.44%	1.52%
97366	South Beach	$1,143	4.9%	1.29%	0.65%
97827	Elgin	$1,142	13.3%	2.16%	1.68%
97267	Portland	$1,140	67.9%	2.75%	0.58%
97436	Elkton	$1,140	7.6%	1.16%	1.16%
97213	Portland	$1,139	45.2%	2.48%	0.42%
97121	Hammond	$1,137	22.8%	4.03%	1.61%
97447	Idleyld Park	$1,136	-3618.6%	30.16%	N/A
97416	Camas Valley	$1,135	6.1%	2.26%	1.50%
97627	Keno	$1,135	5.3%	1.16%	0.58%
97304	Salem	$1,134	46.4%	3.01%	0.40%
97493	Westlake	$1,134	128.7%	3.36%	N/A
97056	Scappoose	$1,131	45.5%	2.18%	0.57%
97037	Maupin	$1,130	8.0%	0.97%	0.97%
97812	Arlington	$1,128	124.4%	0.82%	N/A
97396	Willamina	$1,127	24.5%	1.47%	1.10%
97408	Eugene	$1,124	36.3%	2.52%	0.64%
97392	Turner	$1,124	59.2%	3.21%	0.45%
97391	Toledo	$1,123	67.5%	2.25%	0.78%
97877	Sumpter	$1,123	18.6%	2.19%	1.09%
97841	Imbler	$1,123	15.6%	2.41%	1.20%
97492	Westfir	$1,121	29.4%	4.10%	1.64%
97132	Newberg	$1,121	45.5%	2.07%	0.54%
97357	Logsden	$1,121	448.6%	1.35%	5.41%
97223	Portland	$1,116	33.7%	2.55%	0.33%
97147	Wheeler	$1,116	5.0%	2.50%	0.83%
97347	Grand Ronde	$1,116	85.9%	2.29%	N/A
97317	Salem	$1,114	42.9%	2.78%	0.83%
97018	Columbia City	$1,114	31.2%	2.10%	0.57%
97060	Troutdale	$1,113	29.6%	2.58%	0.47%
97870	Richland	$1,109	9.1%	1.65%	0.83%
97443	Glide	$1,109	55.8%	4.46%	0.22%
97526	Grants Pass	$1,106	37.3%	2.24%	0.99%
97527	Grants Pass	$1,103	91.6%	2.57%	1.07%
97027	Gladstone	$1,103	72.0%	2.88%	0.39%
97021	Dufur	$1,101	27.6%	2.80%	N/A
97622	Bly	$1,101	80.2%	2.35%	1.18%
97458	Myrtle Point	$1,101	74.6%	1.19%	0.53%
97823	Condon	$1,099	8.3%	1.83%	0.61%
97754	Prineville	$1,098	24.0%	1.90%	0.69%
97462	Oakland	$1,094	73.5%	1.22%	0.95%
97524	Eagle Point	$1,094	62.4%	2.57%	0.56%
97737	Gilchrist	$1,093	N/A	N/A	2.27%
97306	Salem	$1,092	46.8%	2.95%	0.35%
97302	Salem	$1,091	63.0%	2.84%	0.42%
97814	Baker City	$1,090	46.9%	2.50%	0.77%
97360	Mill City	$1,088	253.9%	4.88%	1.63%
97632	Malin	$1,087	20.7%	2.80%	1.40%
97481	Tenmile	$1,086	23.7%	1.89%	0.94%
97459	North Bend	$1,085	76.7%	2.55%	0.75%
97862	Milton Freewater	$1,083	46.8%	3.82%	0.90%
97217	Portland	$1,081	37.3%	2.67%	0.48%
97014	Cascade Locks	$1,081	14.9%	1.37%	0.68%
97367	Lincoln City	$1,080	33.7%	2.43%	0.50%
97107	Bay City	$1,079	51.2%	2.06%	1.03%
97063	Tygh Valley	$1,079	78.8%	2.63%	0.88%
97850	La Grande	$1,077	34.3%	2.97%	0.82%
97024	Fairview	$1,077	27.5%	2.63%	0.22%
97424	Cottage Grove	$1,073	60.1%	2.59%	0.49%
97008	Beaverton	$1,072	40.7%	2.73%	0.53%
97423	Coquille	$1,072	56.9%	2.54%	0.28%
97324	Alsea	$1,072	22.6%	1.46%	0.98%
97383	Stayton	$1,071	90.6%	2.72%	0.59%
97128	Mcminnville	$1,071	58.3%	2.95%	0.39%
97465	Port Orford	$1,070	35.1%	2.85%	0.57%
97463	Oakridge	$1,068	31.4%	5.86%	0.45%
97420	Coos Bay	$1,068	27.7%	2.43%	0.59%
97867	North Powder	$1,067	167.8%	1.72%	1.72%
97124	Hillsboro	$1,066	55.1%	2.03%	0.38%
97437	Elmira	$1,066	30.2%	2.03%	0.51%
97006	Beaverton	$1,064	45.5%	2.14%	0.37%
97344	Falls City	$1,062	17.3%	2.05%	2.56%
97504	Medford	$1,062	41.8%	2.86%	0.41%
97352	Jefferson	$1,061	37.9%	1.70%	0.60%
97401	Eugene	$1,060	32.6%	2.80%	0.30%
97449	Lakeside	$1,060	39.5%	3.36%	0.75%
97394	Waldport	$1,057	5.9%	0.91%	0.42%
97051	Saint Helens	$1,055	56.7%	2.41%	0.53%
97435	Drain	$1,054	8.4%	1.54%	0.62%
97222	Portland	$1,054	46.1%	2.23%	0.50%
97883	Union	$1,052	52.4%	5.33%	1.23%
97032	Hubbard	$1,052	60.1%	2.20%	0.55%
97801	Pendleton	$1,052	21.9%	3.60%	0.89%
97327	Brownsville	$1,052	22.1%	2.85%	0.32%
97330	Corvallis	$1,051	39.4%	1.89%	0.31%
97370	Philomath	$1,049	38.0%	1.88%	0.63%
97116	Forest Grove	$1,042	41.6%	2.18%	0.44%
97385	Sublimity	$1,042	8.3%	0.87%	0.29%
97058	The Dalles	$1,040	45.1%	1.70%	0.86%
97426	Creswell	$1,040	46.8%	2.68%	0.35%
97495	Winchester	$1,033	142.3%	1.41%	0.47%
97362	Mount Angel	$1,033	28.7%	1.80%	1.40%
97448	Junction City	$1,032	58.7%	2.83%	0.58%
97325	Aumsville	$1,031	47.9%	3.11%	0.14%
97013	Canby	$1,029	30.5%	1.84%	0.42%
97136	Rockaway Beach	$1,028	3.1%	0.97%	0.81%
97389	Tangent	$1,027	48.3%	2.81%	1.61%
97540	Talent	$1,025	597.2%	5.91%	0.71%
97469	Riddle	$1,022	21.5%	3.02%	1.01%
97741	Madras	$1,021	50.3%	3.30%	0.43%
97236	Portland	$1,021	51.9%	2.79%	0.86%
97844	Irrigon	$1,019	20.8%	2.29%	1.46%
97030	Gresham	$1,018	54.2%	3.10%	0.48%
97118	Garibaldi	$1,018	0.2%	0.41%	0.41%
97446	Harrisburg	$1,015	15.1%	2.64%	0.72%
97456	Monroe	$1,014	52.4%	1.52%	0.68%
97123	Hillsboro	$1,014	39.6%	2.35%	0.48%
97218	Portland	$1,014	67.8%	2.89%	0.59%
97502	Central Point	$1,012	47.0%	3.11%	0.38%
97417	Canyonville	$1,011	16.4%	3.61%	1.44%
97452	Lowell	$1,009	16.6%	1.35%	0.54%
97457	Myrtle Creek	$1,001	48.7%	2.76%	1.08%
97603	Klamath Falls	$1,001	75.5%	2.24%	0.67%
97230	Portland	$1,000	52.1%	3.38%	0.83%
97499	Yoncalla	$999	13.1%	1.05%	1.75%
97471	Roseburg	$999	44.5%	1.97%	0.45%
97342	Detroit	$997	3853.0%	16.98%	1.26%
97641	Christmas Valley	$996	231.4%	5.13%	2.56%
97487	Veneta	$995	36.4%	1.79%	0.45%
97868	Pilot Rock	$995	205.5%	5.61%	1.05%
97361	Monmouth	$994	85.1%	2.85%	0.23%
97756	Redmond	$993	41.5%	2.11%	0.59%
97818	Boardman	$992	3.5%	0.68%	0.68%
97467	Reedsport	$992	68.4%	3.56%	0.73%
97439	Florence	$991	34.1%	2.12%	0.42%
97026	Gervais	$990	88.8%	1.87%	1.19%
97478	Springfield	$985	43.0%	2.30%	0.39%
97470	Roseburg	$981	72.0%	2.42%	0.63%
97220	Portland	$981	29.3%	2.51%	0.52%
97838	Hermiston	$976	25.0%	2.94%	1.00%
97321	Albany	$975	40.0%	2.10%	0.65%
97338	Dallas	$970	41.5%	2.04%	0.37%
97203	Portland	$967	63.0%	2.51%	0.65%
97113	Cornelius	$965	32.8%	1.39%	0.82%
97355	Lebanon	$961	66.8%	2.32%	0.87%
97535	Phoenix	$960	560.6%	5.19%	0.49%
97386	Sweet Home	$960	56.7%	2.06%	0.71%
97303	Salem	$957	37.0%	1.88%	0.34%
97206	Portland	$957	21.9%	2.14%	0.59%
97348	Halsey	$950	4.9%	1.31%	0.87%
97005	Beaverton	$949	37.6%	2.34%	0.47%
97266	Portland	$946	55.6%	2.48%	0.55%
97351	Independence	$946	50.6%	2.89%	0.61%
97333	Corvallis	$941	30.9%	1.85%	0.25%
97233	Portland	$936	52.6%	2.56%	0.71%
97127	Lafayette	$934	57.1%	2.58%	0.82%
97501	Medford	$932	59.9%	2.35%	0.44%
97875	Stanfield	$927	17.1%	2.54%	1.41%
97503	White City	$924	59.7%	2.34%	0.63%
97020	Donald	$923	3.4%	1.12%	N/A
97305	Salem	$919	36.1%	2.39%	0.78%
97216	Portland	$911	78.6%	2.29%	0.84%
97301	Salem	$910	49.2%	2.22%	0.63%
97404	Eugene	$891	54.7%	2.16%	0.19%
97882	Umatilla	$890	39.7%	2.55%	0.96%
97479	Sutherlin	$889	50.6%	3.11%	0.41%
97402	Eugene	$887	43.9%	2.16%	0.69%
97477	Springfield	$867	56.0%	2.23%	0.46%
97322	Albany	$863	40.1%	1.69%	0.68%
97071	Woodburn	$859	44.2%	1.54%	0.54%
97496	Winston	$859	40.8%	3.11%	0.45%

Oregon Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Oregon compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Oregon

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Oregon ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

82.6

11th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Oregon FIO ZIPs

Most common top hazard

Earthquake

17 of 36 counties

Highest FEMA NRI counties in Oregon
County	Risk score	Rating	Top hazard
Multnomah	98.5	Relatively High	Earthquake
Lane	96.4	Relatively High	Earthquake
Washington	96.0	Relatively High	Earthquake

Counties with elevated FEMA hazard ratings in Oregon
Hazard	Elevated counties	Share of joined
Winter weather	7	19%
Earthquake	6	17%
Flooding	5	14%
Wildfire	5	14%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Oregon: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,199/yr here).

Wisconsin $1,224/yr Arizona $1,226/yr West Virginia $1,167/yr Michigan $1,233/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.88% here).

Delaware 0.88% New Hampshire 0.89% Nevada 0.89% Arkansas 0.89%

Frequently Asked Questions

What is the average homeowners insurance cost in Oregon? ▼

Averaged across the 339 Oregon ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,199 ($1,289 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 32% below the national average of $1,776.

How have insurance premiums changed in Oregon? ▼

Oregon homeowners insurance premiums changed by +13.9% between 2018 and 2022. The average loss ratio is 87.4%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Oregon? ▼

The most expensive ZIP code for homeowners insurance in Oregon is 97201, with an average premium of $2,808/yr. The most affordable is 97496 at $859/yr.

What is the nonrenewal rate for Oregon homeowners insurance? ▼

Averaged across the Oregon ZIP codes that report one (94% of the state's ZIP codes), the nonrenewal rate is 0.88%. This rate has changed by +4.8% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 97201 has the highest nonrenewal rate in the state at 1.23%.

What is a loss ratio and what does Oregon's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Oregon's average loss ratio is 87.4%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Oregon? ▼

The average claim frequency in Oregon is 3.02%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $26,677. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Oregon? ▼

Across 36 FEMA National Risk Index counties that join to Oregon ZIP codes in the FIO file, the mean county risk score is 82.6 (19% above the 50-state mean of 69.3). The most common county-level top hazard is Earthquake (17 of 36 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (7), Earthquake (6), Flooding (5). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Oregon in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Oregon ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Oregon Homeowners Insurance

How Oregon Compares

Data Snapshot: Oregon Homeowners Insurance

Loss Ratio Reading: Oregon

Premium Trends (2018-2022)

Average premium in Oregon, 2018–2022

Most Expensive ZIP Codes in Oregon

Most Affordable ZIP Codes in Oregon

All ZIP Codes in Oregon

Oregon Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related