Home Insurance in Rogue River, Oregon
The median home value in Rogue River is $310,200, 28% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rogue River was built around 1984. About 8% of homes were built before 1960, about 10 points below Jackson County's 18%.
In Rogue River, the housing stock is 57% single-family homes, 11% apartments in buildings with 5+ units and 12% 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.
55% of owner-occupied homes in Rogue River carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Rogue River are owner-occupied.
71% of homes in Rogue River are primarily heated with electricity.
Jackson County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $310,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 56% |
| 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)