Home Insurance in Lincoln County, Oregon
The median home value in Lincoln County is $410,800, 14% lower than the Oregon median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lincoln County was built around 1981. About 20% of homes were built before 1960, about 3 points below Oregon's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lincoln County is 71% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
54% of owner-occupied homes in Lincoln County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lincoln County has an owner-occupancy rate of 72% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Lincoln County, 65% 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.
The top hazards for Lincoln County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and coastal flooding (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lincoln County had 1,521 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $410,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,521 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
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)