Home Insurance in Sodaville, Oregon
Homes in Sodaville carry a median value of $347,300 - 8% lower than the Linn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sodaville was built around 1944. About 54% of homes were built before 1960, about 29 points above Linn County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sodaville is 72% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
About 68% of owner-occupied homes in Sodaville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Sodaville are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sodaville - 65% - 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.
FEMA rates Linn County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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 | $347,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 86% |
| 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)