Home Insurance in Florence, Oregon
Homes in Florence carry a median value of $358,300 - 17% lower than the Lane County median.
The typical home in Florence was built around 1989. About 5% of homes were built before 1960, about 16 points below Lane County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Florence, the housing stock is 65% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Florence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Florence are owner-occupied.
Most homes in Florence - 92% - 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 | $358,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)