"While Gulf Coast and wildfire-heavy markets face severe affordability challenges, new data from the U.S. Census Bureau and the 2025 Climate Risk Report show that Oregon remains relatively affordable for homeowners coverage. Oregon's Insurance Costs Stay Affordable According to the American Community Survey (ACS) data from the U.S. Census Bureau, Oregon homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range."
"Oregon homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range. Oregon has 1,100,905 insured homeowner households in total-697,580 with a mortgage and 403,325 without. Among mortgaged owners, 52,309 pay less than $100 annually and 28,782 pay $4,000 or more. Among those without a mortgage, 53,999 pay less than $100 and 13,124 pay $4,000 or more."
"Compared with nearby states, Oregon is among the most affordable. Washington homeowners also average $1,000-$1,499 regardless of mortgage status. California falls into the same range for mortgaged owners, though far more households there pay premiums above $4,000. Idaho aligns closely, averaging $1,000-$1,499 with a mortgage and $800-$999 without. By contrast, Nevada is slightly lower, with non-mortgaged households averaging $800-$999. This makes Oregon one of the more affordable states on the West Coast, despite its wildfire risks."
U.S. Census Bureau ACS data indicate Oregon homeowners with and without mortgages typically pay $1,000–$1,499 annually for homeowners insurance. The state has 1,100,905 insured homeowner households: 697,580 with a mortgage and 403,325 without. Among mortgaged owners, 52,309 pay less than $100 annually and 28,782 pay $4,000 or more; among non-mortgaged owners, 53,999 pay less than $100 and 13,124 pay $4,000 or more. Nearby Washington and Idaho show similar averages, California matches for mortgaged owners but has more high-premium households, and Nevada is slightly lower for non-mortgaged households. Gulf Coast and wildfire-heavy markets face stronger affordability pressures.
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