Home Insurance in Richland, Oregon
The median home value in Richland is $209,600, 27% lower than the Baker County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Richland was built around 1973. About 29% of homes were built before 1960, about 15 points below Baker County's 44%.
The housing stock in Richland is 62% single-family homes, 9% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Richland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Richland are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Richland are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Richland? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Baker County and 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.
In Oregon, the statewide average premium for a standard HO-3 homeowners policy is $1,003 per year (NAIC, 2023 data).
Key figures
| Median home value | $209,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)