Home Insurance in Grant County, Oregon
With a median home value of $229,700, Grant County is 52% lower than the Oregon median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Grant County was built around 1971. About 43% of homes were built before 1960, about 20 points above Oregon's 23%.
In Grant County, the housing stock is 74% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Grant County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grant County has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
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. In Grant County, 39% of homes are primarily heated with wood.
The top hazards for Grant County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively Low) and inland flooding (Relatively Low).
Grant County had 38 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $229,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)