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97820 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 97820? There are over 489 occupied homes in the 97820 area. With a population size of 1,020, it's not uncommon for residence of Canyon City, OR to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Oregon is around $552 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 97820 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Canyon City, OR Home Insurance Rate Quotes

97820 Home Insurance Average Premiums

Local 97820 homeowners insurance quotes comparison

$302 /yr.

Shows Zip Code: 97820 lowest rates with discounts applied on average.

For the 97820, 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)		$302 /yr.
Average Coverage:$552 /yr.
2600 sq. ft. or higher
(all discounts applied)		$852 /yr.

What is the average home insurance cost for a home in 97820?

  • • The average homeowners insurance premium paid annually for a home in 97820 is around $552 per year.

What does it cost on average per month for home insurance in 97820?

  • • Homeowners in 97820 pay a monthly average cost per month around $46.00.

What kind of discount could I get if I combine my home and auto insurance together in 97820?

  • • Autoowners in 97820 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 Canyon City area, check out other zip codes nearby 97820.
Review average rates in another zip code:
97820 homeowners insurance rates

Home Replacement Cost Coverage in 97820

Average Building Cost Per Square Foot in 97820: $221

Location: Canyon City, Oregon (Grant County)

Average Square Footage in 97820: 818 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97820 before you start any project. Canyon City 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 97820 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 97820 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 818 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 Canyon City 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$221818$180,700
Additional Upgrades & Added Features$276818$225,875
Major Home Updates or Advancements$332818$271,050

It's important to understand that when you estimate your replacement cost of your home in the 97820 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 97820

Best Home & Auto Insurance Agencies in 97820

Farmers Insurance

Address: 206 S Washington St Canyon City, OR 97820
Phone:
Website:
Info:

Housing Demographics for 97820

Population Review for 97820 Zip Code

For the city of Canyon City, the population within 97820 has increased to over 409 residents in population size. The current population total is 1,020. We have broken down the population based on race below. In 97820, there are over 513 in male population and 507 females.

PopulationValues
Total Population1,020
White Population930
Black Population3
Hispanic Population35
Asian Population0
Hawaiian Population1
Indian Population7
Other Population6
Male Population513
Female Population507
Population Estimate409

Household Data for 97820

The average number of homes in 97820 is around 489, there are an average of 2.07 per household. The average house value according to local real estate values is around $180,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode489
Persons Per Household2.07
Average House Value$180,700
Income Per Household$50750
Median Age50.1
Median Age Male50.8
Median Age Female49.9
97820 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityCanyon City
City Alias NameCANYON CITY
CountyGrant
County FIPS023
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees58
Business First Quarter Payroll462
Business Annual Payroll2375
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 District02
Congressional LandArea69442.78
Delivery Residential198
Delivery Business30
Delivery Total614
Preferred Last Line KeyZ14825
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14825
Land Area362.754000
Water Area0.114000
City Alias Code
City Mixed CaseCanyon City
City Alias Mixed CaseCanyon City
Box Count341
SFDU194
MFDU4
State ANSI41
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number401376
Unique ZIP Name
SSA State County Code38110
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseGrant

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 […]