Home Insurance in Long Creek, Oregon
Homes in Long Creek carry a median value of $100,000 - 56% lower than the Grant County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Long Creek was built around 1953. About 65% of homes were built before 1960, about 22 points above Grant County's 43%.
In Long Creek, the housing stock is 86% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Long Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Long Creek are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Long Creek, 37% of homes are primarily heated with wood. 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.
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 | $100,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)