Home Insurance in Newberg, Oregon
Homes in Newberg carry a median value of $472,100 - close to the Yamhill County median.
The typical home in Newberg was built around 1991. About 13% of homes were built before 1960, about 3 points below Yamhill County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Newberg, the housing stock is 66% single-family homes, 20% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Newberg, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Newberg are owner-occupied.
Most homes in Newberg - 59% - are primarily heated with electricity.
What's the biggest home insurance risk near Newberg? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Yamhill County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Oregon is $1,003 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $472,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)