Home Insurance in Carlton, Oregon
The median home value in Carlton is $420,600, 11% lower than the Yamhill County median.
The typical home in Carlton was built around 1996. About 20% of homes were built before 1960, about 3 points above Yamhill County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carlton, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
70% of owner-occupied homes in Carlton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Carlton are owner-occupied.
Most homes in Carlton - 85% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Yamhill County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Yamhill County had 370 active NFIP flood policies as of September 2026. See the full Yamhill County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $420,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Yamhill County | 370 |
| 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)