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97842 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 97842 zip code it's important to know that our rates are very competitive for homeowners living in Imnaha, OR. Many homeowners based out of your 97842 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 97842 should appear in the zip code field ready to go. For Imnaha, OR Homeowners Insurance Quotes nearby, we offer the best rates and service.

97842: Average Home Insurance Rates

For homeowners living in the great city of Imnaha, the average homeowners policy is considered very low in comparison to other states. Oregon premiums are estimated to be around $560 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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97842 Home Insurance Average Premiums

Local 97842 homeowners insurance quotes comparison

$310 /yr.

Shows Zip Code: 97842 lowest rates with discounts applied on average.

For the 97842, 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 97842?

  • • The average homeowners insurance premium paid annually for a home in 97842 is around $560 per year.

What does it cost on average per month for home insurance in 97842?

  • • Homeowners in 97842 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 97842?

  • • Autoowners in 97842 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 Imnaha area, check out other zip codes nearby 97842.
Review average rates in another zip code:
97842 homeowners insurance rates

Home Replacement Cost Coverage in 97842

Average Building Cost Per Square Foot in 97842: $221

Location: Imnaha, Oregon (Wallowa County)

Average Square Footage in 97842: 747 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97842 before you start any project. Imnaha 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 97842 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 97842 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 747 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 Imnaha 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$221747$165,000
Additional Upgrades & Added Features$276747$206,250
Major Home Updates or Advancements$332747$247,500

It's important to understand that when you estimate your replacement cost of your home in the 97842 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 97842

Best Home & Auto Insurance Agencies in 97842

Housing Demographics for 97842

Population Review for 97842 Zip Code

For the city of Imnaha, the population within 97842 has increased to over 136 residents in population size. The current population total is 203. We have broken down the population based on race below. In 97842, there are over 111 in male population and 92 females.

PopulationValues
Total Population203
White Population173
Black Population0
Hispanic Population12
Asian Population0
Hawaiian Population0
Indian Population2
Other Population8
Male Population111
Female Population92
Population Estimate136

Household Data for 97842

The average number of homes in 97842 is around 110, there are an average of 1.85 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode110
Persons Per Household1.85
Average House Value$165,000
Income Per Household$38214
Median Age57.9
Median Age Male60.4
Median Age Female53.0
97842 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityImnaha
City Alias NameIMNAHA
CountyWallowa
County FIPS063
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 Businesses6
Number Of Employees6
Business First Quarter Payroll17
Business Annual Payroll117
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 Residential74
Delivery Business2
Delivery Total111
Preferred Last Line KeyZ15121
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15121
Land Area1074.829000
Water Area2.555000
City Alias Code
City Mixed CaseImnaha
City Alias Mixed CaseImnaha
Box Count33
SFDU74
MFDU0
State ANSI41
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number404128
Unique ZIP Name
SSA State County Code38310
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseWallowa

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 […]