Home Insurance in Adams, Oregon
With a median home value of $225,000, Adams is 20% lower than the Umatilla County median.
The typical home in Adams was built around 1976. About 39% of homes were built before 1960, about 9 points above Umatilla County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Adams, the housing stock is 71% single-family homes 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 32% of owner-occupied homes in Adams have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Adams are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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. 49% of homes in Adams are primarily heated with electricity.
What's the biggest home insurance risk near Adams? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Umatilla County and Umatilla County had 238 active NFIP flood policies as of September 2026. See the full Umatilla County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $225,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Umatilla County | 238 |
| 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)