Home Insurance in Lonerock, Oregon
Homes in Lonerock carry a median value of $112,500 - 41% lower than the Gilliam County median.
The typical home in Lonerock was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 4 points above Gilliam County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lonerock is 88% single-family homes and 12% mobile or manufactured homes.
In Lonerock, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lonerock has an owner-occupancy rate of 100% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
55% of homes in Lonerock are primarily heated with propane. 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.
Gilliam County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $112,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)