Home Insurance in Stayton, Oregon
Homes in Stayton carry a median value of $409,700 - close to the Marion County median.
The typical home in Stayton was built around 1985. About 16% of homes were built before 1960, about 4 points below Marion County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Stayton breaks down to 77% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Stayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Stayton are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Stayton, 51% of homes are primarily heated with electricity.
FEMA rates Marion County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $409,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)