Home Insurance in Butte Falls, Oregon
Homes in Butte Falls carry a median value of $253,800 - 41% lower than the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Butte Falls was built around 1970. About 39% of homes were built before 1960, about 21 points above Jackson County's 18%.
In Butte Falls, the housing stock is 71% single-family homes and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Butte Falls, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Butte Falls are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Butte Falls are primarily heated with wood.
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 | $253,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)