Home Insurance in Myrtle Point, Oregon
The median home value in Myrtle Point is $252,900, 25% lower than the Coos County median.
The typical home in Myrtle Point was built around 1958. About 52% of homes were built before 1960, about 21 points above Coos County's 31%. 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 Myrtle Point is 70% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Myrtle Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Myrtle Point has an owner-occupancy rate of 68% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Myrtle Point, 60% of homes 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 Myrtle Point? FEMA's National Risk Index points to earthquake (Relatively High) in Coos County and Coos County had 295 active NFIP flood policies as of September 2026. 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 | $252,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)