Home Insurance in Fairview, Oregon
The median home value in Fairview is $427,700, 23% lower than the Multnomah County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fairview was built around 1995. About 7% of homes were built before 1960, about 32 points below Multnomah County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairview is 45% single-family homes, 42% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Fairview, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairview has an owner-occupancy rate of 43% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Fairview, 66% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fairview? FEMA's National Risk Index points to earthquake (Relatively High) in Multnomah County and Multnomah County had 4,419 active NFIP flood policies as of September 2026. See the full Multnomah 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 | $427,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Multnomah County | 4,419 |
| 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)