Home Insurance in Grants Pass, Oregon
With a median home value of $382,600, Grants Pass is 5% lower than the Josephine County median.
The typical home in Grants Pass was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 6 points above Josephine County's 18%.
In Grants Pass, the housing stock is 75% single-family homes, 10% apartments in buildings with 5+ units and 5% 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.
About 65% of owner-occupied homes in Grants Pass have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grants Pass has an owner-occupancy rate of 57% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
53% of homes in Grants Pass are primarily heated with electricity.
Josephine County had 411 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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 | $382,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)