Home Insurance in Yamhill County, Oregon
Homes in Yamhill County carry a median value of $471,700 - close to the Oregon median.
The typical home in Yamhill County was built around 1990. About 17% of homes were built before 1960, about 6 points below Oregon's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Yamhill County, the housing stock is 73% single-family homes, 12% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Yamhill County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Yamhill County has an owner-occupancy rate of 69% and a vacancy rate of 5%; 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. In Yamhill County, 66% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Yamhill County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Yamhill County has 370 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $471,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 370 |
| 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)