Home Insurance in Irrigon, Oregon
The median home value in Irrigon is $207,500, 14% lower than the Morrow County median.
The typical home in Irrigon was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 15 points below Morrow County's 20%.
In Irrigon, the housing stock is 50% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Irrigon, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Irrigon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Irrigon, 84% of homes are primarily heated with electricity.
FEMA rates Morrow County's overall risk as Very Low, led by wildfire (Relatively Moderate). Morrow County had 40 active NFIP flood policies as of September 2026. See the full Morrow County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $207,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Morrow County | 40 |
| 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)