Home Insurance in Rufus, Oregon
The median home value in Rufus is $182,800, 14% lower than the Sherman County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rufus was built around 1983. About 23% of homes were built before 1960, about 27 points below Sherman County's 50%.
The housing stock in Rufus is 36% single-family homes and 48% 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.
About 40% of owner-occupied homes in Rufus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Rufus are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rufus - 78% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sherman County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Sherman County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $182,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sherman County | 1 |
| 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)