Home Insurance in Cave Junction, Oregon
With a median home value of $292,900, Cave Junction is 28% lower than the Josephine County median.
The typical home in Cave Junction was built around 1991. About 7% of homes were built before 1960, about 11 points below Josephine County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cave Junction is 69% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cave Junction, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cave Junction has an owner-occupancy rate of 71% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Cave Junction - 80% - 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.
FEMA rates Josephine County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Josephine County had 411 active NFIP flood policies as of September 2026. See the full Josephine 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 | $292,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Josephine County | 411 |
| 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)