Home Insurance in Ashland, Oregon
With a median home value of $583,800, Ashland is 36% higher than the Jackson County median.
The typical home in Ashland was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 7 points above Jackson County's 18%.
The housing stock in Ashland is 72% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 49% of owner-occupied homes in Ashland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ashland has an owner-occupancy rate of 52% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Ashland - 56% - are primarily heated with electricity.
FEMA rates Jackson County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Jackson County had 1,110 active NFIP flood policies as of September 2026. See the full Jackson 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 | $583,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Jackson County | 1,110 |
| 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)