Home Insurance in Klamath County, Oregon
With a median home value of $280,400, Klamath County is 41% lower than the Oregon median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Klamath County was built around 1974. About 32% of homes were built before 1960, about 9 points above Oregon's 23%.
The housing stock in Klamath County is 74% single-family homes, 6% 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.
55% of owner-occupied homes in Klamath County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Klamath County has an owner-occupancy rate of 69% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Klamath County, 43% of homes are primarily heated with natural gas.
The top hazards for Klamath County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), wildfire (Relatively Moderate) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Klamath County has 57 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $280,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)