Home Insurance in Jacksonville, Oregon
Homes in Jacksonville carry a median value of $649,200 - 51% higher 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 Jacksonville was built around 1992. About 11% of homes were built before 1960, about 7 points below Jackson County's 18%.
The housing stock in Jacksonville is 76% single-family homes, 8% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jacksonville, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Jacksonville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jacksonville, 51% of homes 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 | $649,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)