Home Insurance in Hermiston, Oregon
Homes in Hermiston carry a median value of $266,700 - 6% lower than the Umatilla County median.
The typical home in Hermiston was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 14 points below Umatilla County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hermiston is 59% single-family homes, 15% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Hermiston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hermiston has an owner-occupancy rate of 62% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
62% of homes in Hermiston are primarily heated with electricity.
FEMA rates Umatilla County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). 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.
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 | $266,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)