Home Insurance in North Bend, Oregon
With a median home value of $352,300, North Bend is close to the Coos County median.
The typical home in North Bend was built around 1965. About 41% of homes were built before 1960, about 10 points above Coos County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in North Bend is 79% single-family homes and 13% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in North Bend have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in North Bend are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Bend, 72% of homes are primarily heated with electricity.
FEMA rates Coos County's overall risk as Relatively Moderate, led by earthquake (Relatively High). 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.
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 | $352,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 65% |
| 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)