Home Insurance in Yamhill, Oregon
The median home value in Yamhill is $474,700, close to the Yamhill County median.
The typical home in Yamhill was built around 1990. About 20% of homes were built before 1960, about 3 points above Yamhill County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yamhill is 86% single-family homes and 9% mobile or manufactured homes.
About 78% of owner-occupied homes in Yamhill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Yamhill has an owner-occupancy rate of 87% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Yamhill - 80% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Yamhill County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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 | $474,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)