Home Insurance in Linn County, Oregon
The median home value in Linn County is $376,400, 21% lower than the Oregon median.
The typical home in Linn County was built around 1978. About 25% of homes were built before 1960, about 2 points above Oregon's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Linn County, the housing stock is 68% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Linn County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Linn County has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Linn County - 54% - 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 Linn County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and strong wind (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Linn County has 580 active NFIP flood insurance policies. 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 | $376,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 580 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Albany
- Brownsville
- Halsey
- Harrisburg
- Lebanon
- Lyons
- Mill City
- Millersburg
- Scio
- Sodaville
- Sweet Home
- Tangent
- Waterloo
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)