Home Insurance in Eugene, Oregon
With a median home value of $460,400, Eugene is 7% higher than the Lane County median.
The typical home in Eugene was built around 1980. About 19% of homes were built before 1960, about 2 points below Lane County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Eugene, the housing stock is 58% single-family homes, 29% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Eugene have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Eugene are owner-occupied.
Most homes in Eugene - 75% - are primarily heated with electricity.
FEMA rates Lane County's overall risk as Relatively High, led by earthquake (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $460,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)