Home Insurance in Jordan Valley, Oregon
With a median home value of $167,200, Jordan Valley is 33% lower than the Malheur County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jordan Valley was built around 1977. About 32% of homes were built before 1960, about 2 points above Malheur County's 30%.
The housing stock in Jordan Valley is 58% single-family homes and 42% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jordan Valley, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jordan Valley has an owner-occupancy rate of 53% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Jordan Valley are primarily heated with electricity.
Malheur County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $167,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)