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97394 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 97394 zip code it's important to know that our rates are very competitive for homeowners living in Waldport, OR. Many homeowners based out of your 97394 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 97394 should appear in the zip code field ready to go. For Waldport, OR Homeowners Insurance Quotes nearby, we offer the best rates and service.

97394: Average Home Insurance Rates

For homeowners living in the great city of Waldport, the average homeowners policy is considered very low in comparison to other states. Oregon premiums are estimated to be around $538 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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97394 Home Insurance Average Premiums

Local 97394 homeowners insurance quotes comparison

$288 /yr.

Shows Zip Code: 97394 lowest rates with discounts applied on average.

For the 97394, 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)		$288 /yr.
Average Coverage:$538 /yr.
2600 sq. ft. or higher
(all discounts applied)		$838 /yr.

What is the average home insurance cost for a home in 97394?

  • • The average homeowners insurance premium paid annually for a home in 97394 is around $538 per year.

What does it cost on average per month for home insurance in 97394?

  • • Homeowners in 97394 pay a monthly average cost per month around $45.00.

What kind of discount could I get if I combine my home and auto insurance together in 97394?

  • • Autoowners in 97394 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 Waldport area, check out other zip codes nearby 97394.
Review average rates in another zip code:
97394 homeowners insurance rates

Home Replacement Cost Coverage in 97394

Average Building Cost Per Square Foot in 97394: $221

Location: Waldport, Oregon (Lincoln County)

Average Square Footage in 97394: 1,195 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97394 before you start any project. Waldport 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 97394 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 97394 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,195 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 Waldport 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$2211,195$264,200
Additional Upgrades & Added Features$2761,195$330,250
Major Home Updates or Advancements$3321,195$396,300

It's important to understand that when you estimate your replacement cost of your home in the 97394 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 97394

Best Home & Auto Insurance Agencies in 97394

Housing Demographics for 97394

Population Review for 97394 Zip Code

For the city of Waldport, the population within 97394 has increased to over 2,992 residents in population size. The current population total is 5,361. We have broken down the population based on race below. In 97394, there are over 2546 in male population and 2815 females.

PopulationValues
Total Population5,361
White Population4610
Black Population17
Hispanic Population244
Asian Population44
Hawaiian Population8
Indian Population85
Other Population59
Male Population2546
Female Population2815
Population Estimate2992

Household Data for 97394

The average number of homes in 97394 is around 2,630, there are an average of 2.04 per household. The average house value according to local real estate values is around $264,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,630
Persons Per Household2.04
Average House Value$264,200
Income Per Household$53850
Median Age59.1
Median Age Male57.8
Median Age Female60.4
97394 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityWaldport
City Alias NameWALDPORT
CountyLincoln
County FIPS041
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA35440
CBSA_DIV
CBSA_TypeMicro
CBSA_NameNewport, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses106
Number Of Employees430
Business First Quarter Payroll2536
Business Annual Payroll12164
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential1467
Delivery Business41
Delivery Total4348
Preferred Last Line KeyZ15695
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15695
Land Area51.675000
Water Area2.475000
City Alias Code
City Mixed CaseWaldport
City Alias Mixed CaseWaldport
Box Count1805
SFDU1371
MFDU17
State ANSI41
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number408832
Unique ZIP Name
SSA State County Code38200
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseLincoln

Oregon Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • 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 […]