Who regulates homeowners insurance in Oregon?

The Oregon Division of Financial Regulation (dfr.oregon.gov) licenses carriers and agents and handles consumer complaints.

Is earthquake damage covered by Oregon homeowners insurance?

No — earthquake damage is excluded from standard HO-3 policies. Oregon sits above the Cascadia Subduction Zone — a separate earthquake endorsement or policy is strongly recommended.

Is wildfire damage covered by Oregon homeowners insurance?

Standard HO-3 policies cover wildfire damage. However, carriers in high-risk wildfire areas of southern Oregon and the Cascade foothills may limit new policy writing. Confirm your coverage is in force.

Is flood insurance separate in Oregon?

Yes — flood damage is excluded from standard policies. Oregon coastal and river-adjacent homeowners can purchase NFIP coverage at floodsmart.gov.

Does Oregon require homeowners insurance?

Oregon law does not require homeowners insurance, but lenders require it as a mortgage condition.

Homeowners Insurance in Oregon

Oregon's home-insurance risks include wildfire (Cascade foothills, southern Oregon, and Willamette Valley interface communities), coastal storm flooding, and earthquake — the Cascadia Subduction Zone creates major seismic risk across western Oregon.

More Oregon guides

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