Home Insurance in Condon, Oregon
The median home value in Condon is $146,600, 23% lower than the Gilliam County median.
The typical home in Condon was built around 1956. About 57% of homes were built before 1960, about 8 points above Gilliam County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Condon, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Condon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Condon has an owner-occupancy rate of 84% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
47% of homes in Condon 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.
FEMA rates Gilliam County's overall risk as Very Low, led by wildfire (Relatively Low). Gilliam County had 4 active NFIP flood policies as of September 2026. See the full Gilliam 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 | $146,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Gilliam County | 4 |
| 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)