Home Insurance in Ontario, Oregon
With a median home value of $236,300, Ontario is 5% lower than the Malheur County median.
The typical home in Ontario was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 9 points below Malheur County's 30%.
The housing stock in Ontario is 58% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Ontario carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ontario has an owner-occupancy rate of 56% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Ontario, 55% of homes 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.
In Oregon, the statewide average premium for a standard HO-3 homeowners policy is $1,003 per year (NAIC, 2023 data).
Key figures
| Median home value | $236,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)