Home Insurance in John Day, Oregon
The median home value in John Day is $212,100, 8% lower than the Grant County median.
The typical home in John Day was built around 1959. About 53% of homes were built before 1960, about 10 points above Grant County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in John Day is 58% single-family homes, 17% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in John Day carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in John Day are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in John Day - 55% - are primarily heated with electricity.
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.
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 | $212,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Grant County | 38 |
| 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)