Home Insurance in Pilot Rock, Oregon
With a median home value of $199,700, Pilot Rock is 29% lower than the Umatilla County median.
The typical home in Pilot Rock was built around 1957. About 65% of homes were built before 1960, about 35 points above Umatilla County's 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 Pilot Rock is 83% single-family homes and 17% mobile or manufactured homes.
About 62% of owner-occupied homes in Pilot Rock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pilot Rock has an owner-occupancy rate of 84% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pilot Rock, 49% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pilot Rock? 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.
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 | $199,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)