Home Insurance in Cottage Grove, Oregon
Homes in Cottage Grove carry a median value of $346,600 - 20% lower than the Lane County median.
The typical home in Cottage Grove was built around 1977. About 29% of homes were built before 1960, about 8 points above Lane County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cottage Grove is 72% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cottage Grove, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cottage Grove has an owner-occupancy rate of 59% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Cottage Grove, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cottage Grove? FEMA's National Risk Index points to earthquake (Relatively High) in Lane County and Lane County had 2,641 active NFIP flood policies as of September 2026. See the full Lane County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $346,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Lane County | 2,641 |
| 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)