Home Insurance in Benton County, Oregon
Homes in Benton County carry a median value of $513,000 - 7% higher than the Oregon median.
The typical home in Benton County was built around 1979. About 20% of homes were built before 1960, about 3 points below Oregon's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Benton County is 64% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Benton County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Benton County has an owner-occupancy rate of 57% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Benton County - 55% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and winter weather (Relatively Low) as the leading hazards for Benton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Benton County had 693 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $513,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 693 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)