Home Insurance in Drain, Oregon
Homes in Drain carry a median value of $287,700 - 7% lower than the Douglas County median.
The typical home in Drain was built around 1976. About 28% of homes were built before 1960, in line with Douglas County (29%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Drain, the housing stock is 70% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Drain, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Drain are owner-occupied.
In Drain, 84% 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.
Douglas County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Douglas County had 985 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $287,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Douglas County | 985 |
| 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)