Home Insurance in Cascade Locks, Oregon
With a median home value of $385,100, Cascade Locks is 42% lower than the Hood River County median.
The typical home in Cascade Locks was built around 1979. About 29% of homes were built before 1960, about 3 points above Hood River County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cascade Locks, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cascade Locks, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cascade Locks has an owner-occupancy rate of 80% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Cascade Locks - 70% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Hood River County's overall risk as Very Low, led by wildfire (Relatively Moderate). Hood River County had 23 active NFIP flood policies as of September 2026. See the full Hood River 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 home value | $385,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Hood River County | 23 |
| 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)