Home Insurance in Millersburg, Oregon
Homes in Millersburg carry a median value of $567,200 - 51% higher than the Linn County median.
The typical home in Millersburg was built around 2012. About 2% of homes were built before 1960, about 23 points below Linn County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Millersburg, the housing stock is 89% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Millersburg, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Millersburg are owner-occupied.
In Millersburg, 77% of homes are primarily heated with natural gas.
Linn County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Linn County had 580 active NFIP flood policies as of September 2026. 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.
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 | $567,200 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)