Home Insurance in Adrian, Oregon
Homes in Adrian carry a median value of $158,100 - 36% lower than the Malheur County median.
The typical home in Adrian was built around 1981. About 39% of homes were built before 1960, about 9 points above Malheur County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adrian is 74% single-family homes and 26% mobile or manufactured homes.
40% of owner-occupied homes in Adrian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Adrian has an owner-occupancy rate of 83% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Adrian, 85% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Adrian? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Malheur County and Malheur County had 67 active NFIP flood policies as of September 2026. See the full Malheur County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $158,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Malheur County | 67 |
| 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)