Home Insurance in Hood River, Oregon
The median home value in Hood River is $684,100, close to the Hood River County median.
The typical home in Hood River was built around 1989. About 25% of homes were built before 1960, in line with Hood River County (25%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hood River is 67% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hood River, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hood River has an owner-occupancy rate of 53% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
50% of homes in Hood River are primarily heated with electricity.
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 | $684,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)