Home Insurance in Paisley, Oregon
Homes in Paisley carry a median value of $219,700 - close to the Lake County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Paisley was built around 1982. About 20% of homes were built before 1960, about 14 points below Lake County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Paisley is 60% single-family homes, 6% apartments in buildings with 5+ units and 30% mobile or manufactured homes.
In Paisley, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Paisley has an owner-occupancy rate of 58% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Paisley are primarily heated with wood.
Lake County had 34 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Lake 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 | $219,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lake County | 34 |
| 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)