Home Insurance in Marion County, Oregon
Homes in Marion County carry a median value of $416,400 - 13% lower than the Oregon median.
The typical home in Marion County was built around 1979. About 20% of homes were built before 1960, about 3 points below Oregon's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Marion County is 67% single-family homes, 18% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Marion County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Marion County are owner-occupied.
Most homes in Marion County - 51% - are primarily heated with electricity.
Per FEMA's National Risk Index, Marion County's top hazards are earthquake (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Marion County has 1,429 active NFIP flood policies on file.
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 | $416,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 1,429 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aumsville
- Aurora
- Detroit
- Donald
- Gates
- Gervais
- Hubbard
- Idanha
- Jefferson
- Keizer
- Mount Angel
- Salem
- Scotts Mills
- Silverton
- St. Paul
- Stayton
- Sublimity
- Turner
- Woodburn
Sources
- 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)