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97624 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 97624 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Chiloquin, OR quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 97624.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 97624 and start shopping.

Quickly and Easily Compare Average Rates for 97624

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Chiloquin, OR home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 97624

Homeowners in Chiloquin are paying roughly $560 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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97624 Home Insurance Average Premiums

Local 97624 homeowners insurance quotes comparison

$310 /yr.

Shows Zip Code: 97624 lowest rates with discounts applied on average.

For the 97624, 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)
$310 /yr.
Average Coverage:$560 /yr.
2600 sq. ft. or higher
(all discounts applied)
$860 /yr.

What is the average home insurance cost for a home in 97624?

  • • The average homeowners insurance premium paid annually for a home in 97624 is around $560 per year.

What does it cost on average per month for home insurance in 97624?

  • • Homeowners in 97624 pay a monthly average cost per month around $47.00.

What kind of discount could I get if I combine my home and auto insurance together in 97624?

  • • Autoowners in 97624 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 Chiloquin area, check out other zip codes nearby 97624.
Review average rates in another zip code:
97624 homeowners insurance rates

Home Replacement Cost Coverage in 97624

Average Building Cost Per Square Foot in 97624: $221

Location: Chiloquin, Oregon (Klamath County)

Average Square Footage in 97624: 933 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97624 before you start any project. Chiloquin 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 97624 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 97624 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 933 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 Chiloquin 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$221933$206,300
Additional Upgrades & Added Features$276933$257,875
Major Home Updates or Advancements$332933$309,450

It's important to understand that when you estimate your replacement cost of your home in the 97624 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 97624

Best Home & Auto Insurance Agencies in 97624

Housing Demographics for 97624

Population Review for 97624 Zip Code

For the city of Chiloquin, the population within 97624 has increased to over 3,017 residents in population size. The current population total is 3,996. We have broken down the population based on race below. In 97624, there are over 2073 in male population and 1923 females.

PopulationValues
Total Population3,996
White Population2889
Black Population23
Hispanic Population181
Asian Population30
Hawaiian Population6
Indian Population675
Other Population53
Male Population2073
Female Population1923
Population Estimate3017

Household Data for 97624

The average number of homes in 97624 is around 1,777, there are an average of 2.24 per household. The average house value according to local real estate values is around $206,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,777
Persons Per Household2.24
Average House Value$206,300
Income Per Household$49327
Median Age56.8
Median Age Male56.9
Median Age Female56.5
97624 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityChiloquin
City Alias NameCHILOQUIN
CountyKlamath
County FIPS035
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA28900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameKlamath Falls, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses45
Number Of Employees544
Business First Quarter Payroll4718
Business Annual Payroll21641
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population66380
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential1347
Delivery Business39
Delivery Total2398
Preferred Last Line KeyZ14857
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14857
Land Area611.056000
Water Area12.379000
City Alias Code
City Mixed CaseChiloquin
City Alias Mixed CaseChiloquin
Box Count944
SFDU1052
MFDU14
State ANSI41
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number401664
Unique ZIP Name
SSA State County Code38170
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseKlamath

Oregon Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]