Home Insurance in Milton-Freewater, Oregon
With a median home value of $240,000, Milton-Freewater is 15% lower than the Umatilla County median.
The typical home in Milton-Freewater was built around 1976. About 30% of homes were built before 1960, in line with Umatilla County (30%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milton-Freewater is 59% single-family homes, 22% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Milton-Freewater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 48% of occupied homes in Milton-Freewater are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Milton-Freewater, 88% of homes are primarily heated with electricity.
Umatilla County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $240,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)