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Home Insurance Rates in 97021

For homeowners shopping online in 97021, our insurance rates are very competitive for homeowners living in Dufur, OR. Many homeowners based out of the great city of Dufur have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Oregon licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 97021, simply click the "Get Multiple Quotes Now" button. Your 97021 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Dufur, OR Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

97021 Home Insurance Rating is: Very Low!

If you live in 97021, you can easily save up to 40% off the average home insurance premium of $581 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Dufur can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 97021 today!

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97021 Home Insurance Average Premiums

Local 97021 homeowners insurance quotes comparison

$331 /yr.

Shows Zip Code: 97021 lowest rates with discounts applied on average.

For the 97021, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$331 /yr.
Average Coverage:$581 /yr.
2600 sq. ft. or higher
(all discounts applied)
$881 /yr.

What is the average home insurance cost for a home in 97021?

  • • The average homeowners insurance premium paid annually for a home in 97021 is around $581 per year.

What does it cost on average per month for home insurance in 97021?

  • • Homeowners in 97021 pay a monthly average cost per month around $48.00.

What kind of discount could I get if I combine my home and auto insurance together in 97021?

  • • Autoowners in 97021 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Dufur area, check out other zip codes nearby 97021.
Review average rates in another zip code:
97021 homeowners insurance rates

Home Replacement Cost Coverage in 97021

Average Building Cost Per Square Foot in 97021: $221

Location: Dufur, Oregon (Wasco County)

Average Square Footage in 97021: 1,291 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97021 before you start any project. Dufur homeowners pay on average around $221 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 97021 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 97021 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,291 sq. ft. and the average cost to rebuild the home in this area is around $221 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Dufur area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2211,291$285,200
Additional Upgrades & Added Features$2761,291$356,500
Major Home Updates or Advancements$3321,291$427,800

It's important to understand that when you estimate your replacement cost of your home in the 97021 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 97021

Best Home & Auto Insurance Agencies in 97021

Housing Demographics for 97021

Population Review for 97021 Zip Code

For the city of Dufur, the population within 97021 has increased to over 537 residents in population size. The current population total is 1,170. We have broken down the population based on race below. In 97021, there are over 615 in male population and 555 females.

PopulationValues
Total Population1,170
White Population1083
Black Population9
Hispanic Population40
Asian Population2
Hawaiian Population3
Indian Population2
Other Population18
Male Population615
Female Population555
Population Estimate537

Household Data for 97021

The average number of homes in 97021 is around 467, there are an average of 2.51 per household. The average house value according to local real estate values is around $285,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode467
Persons Per Household2.51
Average House Value$285,200
Income Per Household$68656
Median Age43.5
Median Age Male41.4
Median Age Female44.7
97021 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityDufur
City Alias NameDUFUR
CountyWasco
County FIPS065
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA45520
CBSA_DIV
CBSA_TypeMicro
CBSA_NameThe Dalles, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses21
Number Of Employees132
Business First Quarter Payroll1260
Business Annual Payroll5207
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population25213
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential214
Delivery Business5
Delivery Total688
Preferred Last Line KeyZ14953
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14953
Land Area261.894000
Water Area0.340000
City Alias Code
City Mixed CaseDufur
City Alias Mixed CaseDufur
Box Count315
SFDU214
MFDU0
State ANSI41
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number402576
Unique ZIP Name
SSA State County Code38320
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseWasco

Oregon Homeowners Insurance News & Information

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]