Home Insurance in Wasco County, Oregon
Homes in Wasco County carry a median value of $367,400 - 23% lower than the Oregon median.
The typical home in Wasco County was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 15 points above Oregon's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wasco County is 66% single-family homes, 9% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Wasco County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wasco County has an owner-occupancy rate of 68% 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. 77% of homes in Wasco County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively High), earthquake (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Wasco County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Wasco County has 53 active NFIP flood policies on file.
In Oregon, the statewide average premium for a standard HO-3 homeowners policy is $1,003 per year (NAIC, 2023 data).
Key figures
| Median home value | $367,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)