Home Insurance in Hubbard, Oregon
With a median home value of $436,800, Hubbard is close to the Marion County median.
The typical home in Hubbard was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 9 points above Marion County's 20%.
The housing stock in Hubbard is 78% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 74% of owner-occupied homes in Hubbard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Hubbard are owner-occupied.
61% of homes in Hubbard are primarily heated with natural gas.
Marion County had 1,429 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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 | $436,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)