Get multiple home insurance quotes in 97904. Our licensed 97904, OR agents are ready to serve you.

97904 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 97904 zip code it's important to know that our rates are very competitive for homeowners living in Drewsey, OR. Many homeowners based out of your 97904 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 97904 should appear in the zip code field ready to go. For Drewsey, OR Homeowners Insurance Quotes nearby, we offer the best rates and service.

97904: Average Home Insurance Rates

For homeowners living in the great city of Drewsey, the average homeowners policy is considered very low in comparison to other states. Oregon premiums are estimated to be around $489 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.

Save on 97904 Home Insurance Quotes!

97904 Home Insurance Average Premiums

Local 97904 homeowners insurance quotes comparison

$239 /yr.

Shows Zip Code: 97904 lowest rates with discounts applied on average.

For the 97904, 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)		$239 /yr.
Average Coverage:$489 /yr.
2600 sq. ft. or higher
(all discounts applied)		$789 /yr.

What is the average home insurance cost for a home in 97904?

  • • The average homeowners insurance premium paid annually for a home in 97904 is around $489 per year.

What does it cost on average per month for home insurance in 97904?

  • • Homeowners in 97904 pay a monthly average cost per month around $41.00.

What kind of discount could I get if I combine my home and auto insurance together in 97904?

  • • Autoowners in 97904 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 Drewsey area, check out other zip codes nearby 97904.
Review average rates in another zip code:
97904 homeowners insurance rates

Home Replacement Cost Coverage in 97904

Average Building Cost Per Square Foot in 97904: $221

Location: Drewsey, Oregon (Harney County)

Average Square Footage in 97904: 2,175 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97904 before you start any project. Drewsey 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 97904 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 97904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,175 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 Drewsey 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$2212,175$480,600
Additional Upgrades & Added Features$2762,175$600,750
Major Home Updates or Advancements$3322,175$720,900

It's important to understand that when you estimate your replacement cost of your home in the 97904 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 97904

Best Home & Auto Insurance Agencies in 97904

Housing Demographics for 97904

Population Review for 97904 Zip Code

For the city of Drewsey, the population within 97904 has increased to over 113 residents in population size. The current population total is 181. We have broken down the population based on race below. In 97904, there are over 100 in male population and 81 females.

PopulationValues
Total Population181
White Population168
Black Population1
Hispanic Population5
Asian Population1
Hawaiian Population0
Indian Population1
Other Population0
Male Population100
Female Population81
Population Estimate113

Household Data for 97904

The average number of homes in 97904 is around 65, there are an average of 2.78 per household. The average house value according to local real estate values is around $480,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode65
Persons Per Household2.78
Average House Value$480,600
Income Per Household$48125
Median Age48.8
Median Age Male47.5
Median Age Female52.1
97904 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityDrewsey
City Alias NameDREWSEY
CountyHarney
County FIPS025
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential41
Delivery Business1
Delivery Total139
Preferred Last Line KeyZ14952
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14952
Land Area568.045000
Water Area0.710000
City Alias Code
City Mixed CaseDrewsey
City Alias Mixed CaseDrewsey
Box Count48
SFDU41
MFDU0
State ANSI41
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number402544
Unique ZIP Name
SSA State County Code38120
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseHarney

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 […]