Home Insurance in Imbler, Oregon
With a median home value of $275,000, Imbler is 7% lower than the Union County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Imbler was built around 1977. About 33% of homes were built before 1960, about 5 points below Union County's 38%.
In Imbler, the housing stock is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
75% of owner-occupied homes in Imbler carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Imbler has an owner-occupancy rate of 92% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Imbler, 66% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Imbler? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Union County and Union County had 90 active NFIP flood policies as of September 2026. See the full Union 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 | $275,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Union County | 90 |
| 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)