Home Insurance in Culver, Oregon
Homes in Culver carry a median value of $332,500 - 11% lower than the Jefferson County median.
The typical home in Culver was built around 1999. About 9% of homes were built before 1960, about 2 points below Jefferson County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Culver, the housing stock is 80% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Culver, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Culver has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Culver - 86% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jefferson County had 76 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Jefferson 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 | $332,500 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 76 |
| 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)