Home Insurance in Nyssa, Oregon
The median home value in Nyssa is $204,300, 18% lower than the Malheur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Nyssa was built around 1964. About 43% of homes were built before 1960, about 13 points above Malheur County's 30%.
The housing stock in Nyssa is 74% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Nyssa, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Nyssa are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Nyssa - 52% - are primarily heated with natural gas.
Malheur County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $204,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)