Home Insurance in Veneta, Oregon
With a median home value of $385,200, Veneta is 11% lower than the Lane County median.
The typical home in Veneta was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 9 points below Lane County's 21%.
The housing stock in Veneta is 77% single-family homes, 1% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Veneta, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Veneta has an owner-occupancy rate of 74% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Veneta, 88% of homes are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lane County had 2,641 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $385,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 74% |
| 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)