Home Insurance in Sutherlin, Oregon
The median home value in Sutherlin is $273,600, 12% lower than the Douglas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sutherlin was built around 1983. About 14% of homes were built before 1960, about 15 points below Douglas County's 29%.
In Sutherlin, the housing stock is 58% single-family homes, 11% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Sutherlin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sutherlin has an owner-occupancy rate of 66% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
58% of homes in Sutherlin are primarily heated with electricity.
What's the biggest home insurance risk near Sutherlin? FEMA's National Risk Index points to wildfire (Relatively High) in Douglas County and 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.
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 | $273,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)