Home Insurance in Brownsville, Oregon
Homes in Brownsville carry a median value of $373,000 - close to the Linn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brownsville was built around 1978. About 32% of homes were built before 1960, about 8 points above Linn County's 25%.
In Brownsville, the housing stock is 83% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Brownsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brownsville has an owner-occupancy rate of 85% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Brownsville - 52% - are primarily heated with natural gas.
Linn County had 580 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Linn 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 | $373,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Linn County | 580 |
| 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)