Home Insurance in Lostine, Oregon
The typical home in Lostine was built around 1974. About 37% of homes were built before 1960, in line with Wallowa County (38%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lostine, the housing stock is 67% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lostine, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Lostine are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lostine, 31% of homes are primarily heated with electricity.
FEMA rates Wallowa County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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 year built | 1974 |
|---|---|
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)