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97867 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 97867? There are over 308 occupied homes in the 97867 area. With a population size of 773, it's not uncommon for residence of North Powder, 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 $571 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 97867 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: North Powder, OR Home Insurance Rate Quotes

97867 Home Insurance Average Premiums

Local 97867 homeowners insurance quotes comparison

$321 /yr.

Shows Zip Code: 97867 lowest rates with discounts applied on average.

For the 97867, 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)		$321 /yr.
Average Coverage:$571 /yr.
2600 sq. ft. or higher
(all discounts applied)		$871 /yr.

What is the average home insurance cost for a home in 97867?

  • • The average homeowners insurance premium paid annually for a home in 97867 is around $571 per year.

What does it cost on average per month for home insurance in 97867?

  • • Homeowners in 97867 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 97867?

  • • Autoowners in 97867 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 North Powder area, check out other zip codes nearby 97867.
Review average rates in another zip code:
97867 homeowners insurance rates

Home Replacement Cost Coverage in 97867

Average Building Cost Per Square Foot in 97867: $221

Location: North Powder, Oregon (Union County)

Average Square Footage in 97867: 543 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97867 before you start any project. North Powder 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 97867 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 97867 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 543 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 North Powder 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$221543$120,100
Additional Upgrades & Added Features$276543$150,125
Major Home Updates or Advancements$332543$180,150

It's important to understand that when you estimate your replacement cost of your home in the 97867 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 97867

Best Home & Auto Insurance Agencies in 97867

Housing Demographics for 97867

Population Review for 97867 Zip Code

For the city of North Powder, the population within 97867 has increased to over 291 residents in population size. The current population total is 773. We have broken down the population based on race below. In 97867, there are over 379 in male population and 394 females.

PopulationValues
Total Population773
White Population684
Black Population2
Hispanic Population50
Asian Population3
Hawaiian Population0
Indian Population5
Other Population26
Male Population379
Female Population394
Population Estimate291

Household Data for 97867

The average number of homes in 97867 is around 308, there are an average of 2.51 per household. The average house value according to local real estate values is around $120,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode308
Persons Per Household2.51
Average House Value$120,100
Income Per Household$71771
Median Age43.6
Median Age Male42.0
Median Age Female45.1
97867 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityNorth Powder
City Alias NameNORTH POWDER
CountyUnion
County FIPS061
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA29260
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLa Grande, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses20
Number Of Employees142
Business First Quarter Payroll1043
Business Annual Payroll4893
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population25748
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential116
Delivery Business3
Delivery Total356
Preferred Last Line KeyZ15338
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15338
Land Area150.394000
Water Area0.353000
City Alias Code
City Mixed CaseNorth Powder
City Alias Mixed CaseNorth Powder
Box Count221
SFDU116
MFDU0
State ANSI41
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number406160
Unique ZIP Name
SSA State County Code38300
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseUnion

Oregon Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]