Home Insurance in Dallas, Oregon
The median home value in Dallas is $389,100, 14% lower than the Polk County median.
The typical home in Dallas was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 3 points above Polk County's 16%.
The housing stock in Dallas is 70% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dallas, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Dallas are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dallas, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Dallas? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Polk County and Polk County had 424 active NFIP flood policies as of September 2026. See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $389,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Polk County | 424 |
| 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)