Home Insurance in The Dalles, Oregon
The median home value in The Dalles is $360,800, close to the Wasco County median.
The typical home in The Dalles was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 8 points above Wasco County's 38%.
In The Dalles, the housing stock is 70% single-family homes, 13% 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 62% of owner-occupied homes in The Dalles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in The Dalles are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In The Dalles, 79% of homes are primarily heated with electricity.
Wasco County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Wasco County had 53 active NFIP flood policies as of September 2026. 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 | $360,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)