Home Insurance in Curry County, Oregon
With a median home value of $381,300, Curry County is 20% lower than the Oregon median.
The typical home in Curry County was built around 1982. About 19% of homes were built before 1960, about 4 points below Oregon's 23%. 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 Curry County is 69% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 45% of owner-occupied homes in Curry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Curry County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Curry County, 79% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), wildfire (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Curry County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Curry County has 164 active NFIP flood policies on file.
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 | $381,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 164 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)