Home Insurance in Enterprise, Oregon
Homes in Enterprise carry a median value of $319,800 - 19% lower than the Wallowa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Enterprise was built around 1952. About 60% of homes were built before 1960, about 22 points above Wallowa County's 38%.
In Enterprise, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Enterprise have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Enterprise are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Enterprise are primarily heated with electricity.
Wallowa County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Wallowa County had 46 active NFIP flood policies as of September 2026. See the full Wallowa 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 | $319,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Wallowa County | 46 |
| 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)