Home Insurance in Coquille, Oregon
Homes in Coquille carry a median value of $304,500 - 10% lower than the Coos County median.
The typical home in Coquille was built around 1966. About 48% of homes were built before 1960, about 16 points above Coos County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coquille is 78% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Coquille, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Coquille are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Coquille - 71% - are primarily heated with electricity.
Coos County had 295 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Coos County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $304,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Coos County | 295 |
| 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)