Home Insurance in Gilliam County, Oregon
The median home value in Gilliam County is $189,300, 60% lower than the Oregon median.
The typical home in Gilliam County was built around 1961. About 50% of homes were built before 1960, about 27 points above Oregon's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gilliam County is 80% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
38% of owner-occupied homes in Gilliam County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gilliam County has an owner-occupancy rate of 74% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Gilliam County, 54% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Gilliam County, per FEMA's National Risk Index, are wildfire (Relatively Low), earthquake (Very Low) and winter weather (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Gilliam County has 4 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $189,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
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)