Home Insurance in Detroit, Oregon
Homes in Detroit carry a median value of $310,000 - 26% lower than the Marion County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Detroit was built around 2000. About 21% of homes were built before 1960, about 2 points above Marion County's 20%.
The housing stock in Detroit is 72% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Detroit carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Detroit has an owner-occupancy rate of 82% and a vacancy rate of 76%; unoccupied homes typically need a different coverage form.
Most homes in Detroit - 64% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Detroit? FEMA's National Risk Index points to earthquake (Relatively High) in Marion County and Marion County had 1,429 active NFIP flood policies as of September 2026. See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $310,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Marion County | 1,429 |
| 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)