Home Insurance in Sherman County, Oregon
The median home value in Sherman County is $211,800, 56% lower than the Oregon median.
The typical home in Sherman County was built around 1960. About 50% of homes were built before 1960, about 27 points above Oregon's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sherman County is 65% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Sherman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sherman County has an owner-occupancy rate of 66% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Sherman County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Moderate), earthquake (Very Low) and winter weather (Very Low) as the leading hazards for Sherman County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sherman County has 1 active NFIP flood policy on file.
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 | $211,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)