Home Insurance in Mosier, Oregon
The median home value in Mosier is $333,800, 9% lower than the Wasco County median.
The typical home in Mosier was built around 1995. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 23 points below Wasco County's 38%.
In Mosier, the housing stock is 55% single-family homes, 6% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mosier, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mosier has an owner-occupancy rate of 92% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Mosier - 92% - are primarily heated with electricity.
Wasco County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Wasco County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $333,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Wasco County | 53 |
| 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)