HomeInsuranceQts

Home Insurance in Granite, Oregon

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Granite was built around 1981. About 25% of homes were built before 1960, about 18 points below Grant County's 43%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Granite is 75% single-family homes and 25% mobile or manufactured homes.

About 59% of owner-occupied homes in Granite have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Granite has an owner-occupancy rate of 84% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.

Most homes in Granite - 57% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

Grant County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Grant 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 year built1981
Owner-occupied share84%
Share of owner-occupied homes with a mortgage59%
Top county hazardWildfire (Relatively Moderate)
Active NFIP policies in Grant County38
Home insurance premium$1,003 - statewide average (NAIC, 2023 data)
Key home insurance figures for Granite, OR

Nearby towns

Sources

Data last updated: 2026-09-29