Home Insurance in Brookings, Oregon
Homes in Brookings carry a median value of $446,700 - 17% higher than the Curry County median.
The typical home in Brookings was built around 1988. About 17% of homes were built before 1960, about 2 points below Curry County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brookings, the housing stock is 74% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Brookings have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Brookings are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Brookings are primarily heated with electricity.
What's the biggest home insurance risk near Brookings? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Curry County and Curry County had 164 active NFIP flood policies as of September 2026. See the full Curry 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 | $446,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Curry County | 164 |
| 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)