Home Insurance in Adair Village, Oregon
Homes in Adair Village carry a median value of $448,400 - 13% lower than the Benton County median.
The typical home in Adair Village was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 11 points above Benton County's 20%.
Housing in Adair Village breaks down to 92% single-family homes.
83% of owner-occupied homes in Adair Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Adair Village are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Adair Village are primarily heated with natural gas.
Benton County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Benton County had 693 active NFIP flood policies as of September 2026. See the full Benton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $448,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Benton County | 693 |
| 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)