Home Insurance in Huntington, Oregon
Homes in Huntington carry a median value of $123,000 - 57% lower than the Baker County median.
The typical home in Huntington was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 15 points above Baker County's 44%.
The housing stock in Huntington is 75% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Huntington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Huntington has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Huntington, 52% of homes are primarily heated with electricity.
Baker County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Baker County had 103 active NFIP flood policies as of September 2026. See the full Baker County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $123,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Baker County | 103 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)