Home Insurance in Eagle Point, Oregon
Homes in Eagle Point carry a median value of $408,700 - close to the Jackson County median.
The typical home in Eagle Point was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 8 points below Jackson County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eagle Point is 77% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
58% of owner-occupied homes in Eagle Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Eagle Point are owner-occupied.
Most homes in Eagle Point - 51% - are primarily heated with natural gas.
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.
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 | $408,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)