Home Insurance in Umatilla County, Oregon
With a median home value of $282,600, Umatilla County is 41% lower than the Oregon median.
The typical home in Umatilla County was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 7 points above Oregon's 23%.
In Umatilla County, the housing stock is 64% single-family homes, 10% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Umatilla County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Umatilla County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Umatilla County, 60% of homes are primarily heated with electricity.
The top hazards for Umatilla County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Umatilla County had 238 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $282,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 238 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adams
- Athena
- Echo
- Helix
- Hermiston
- Milton-Freewater
- Pendleton
- Pilot Rock
- Stanfield
- Ukiah
- Umatilla
- Weston
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)