Home Insurance in Lane County, Oregon
With a median home value of $430,600, Lane County is 10% lower than the Oregon median.
The typical home in Lane County was built around 1977. About 21% of homes were built before 1960, about 2 points below Oregon's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lane County is 67% single-family homes, 17% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lane County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Lane County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Lane County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively High), inland flooding (Relatively High) and winter weather (Relatively High) as the leading hazards for Lane County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lane County has 2,641 active NFIP flood policies on file.
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 | $430,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 2,641 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Coburg
- Cottage Grove
- Creswell
- Dunes City
- Eugene
- Florence
- Junction City
- Lowell
- Oakridge
- Springfield
- Veneta
- Westfir
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)