Home Insurance in Port Orford, Oregon
Homes in Port Orford carry a median value of $345,000 - 10% lower than the Curry County median.
The typical home in Port Orford was built around 1972. About 44% of homes were built before 1960, about 25 points above Curry County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Port Orford, the housing stock is 74% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Port Orford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Port Orford has an owner-occupancy rate of 65% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Port Orford, 82% of homes are primarily heated with electricity.
Curry County had 164 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $345,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)