Home Insurance in Gervais, Oregon
Homes in Gervais carry a median value of $371,400 - 11% lower than the Marion County median.
The typical home in Gervais was built around 1999. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 11 points below Marion County's 20%.
The housing stock in Gervais is 85% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
77% of owner-occupied homes in Gervais carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gervais has an owner-occupancy rate of 91% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
60% of homes in Gervais are primarily heated with electricity.
What's the biggest home insurance risk near Gervais? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $371,400 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)