Home Insurance in Prineville, Oregon
Homes in Prineville carry a median value of $425,900 - 9% lower than the Crook County median.
The typical home in Prineville was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 8 points above Crook County's 11%.
The housing stock in Prineville is 74% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Prineville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Prineville has an owner-occupancy rate of 60% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Prineville, 48% 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.
FEMA rates Crook County's overall risk as Very Low, led by wildfire (Relatively Moderate). Crook County had 203 active NFIP flood policies as of September 2026. See the full Crook County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $425,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Crook County | 203 |
| 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)