Home Insurance in Jackson County, Oregon
The median home value in Jackson County is $430,200, 10% lower than the Oregon median.
The typical home in Jackson County was built around 1985. About 18% of homes were built before 1960, about 5 points below Oregon's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jackson County is 71% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
61% of owner-occupied homes in Jackson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Jackson County are owner-occupied.
In Jackson County, 54% of homes 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.
Per FEMA's National Risk Index, Jackson County's top hazards are wildfire (Relatively High), earthquake (Relatively Moderate) and winter weather (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Jackson County has 1,110 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $430,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively Moderate), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 1,110 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashland
- Butte Falls
- Central Point
- Eagle Point
- Gold Hill
- Jacksonville
- Medford
- Phoenix
- Rogue River
- Shady Cove
- Talent
Sources
- 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)