Oregon Wildfire Insurance — What's Required and What's Recommended

Many Oregon homeowners wonder whether wildfire insurance is legally required. The answer depends on your specific situation — whether you have a mortgage, where your property is located, and what your lender requires. Understanding the difference between what is required and what is recommended is important for every Oregon homeowner.

Oregon does not have a state law requiring homeowners to carry wildfire insurance. However, if you have a mortgage, your lender will require you to maintain homeowners insurance that covers fire — which includes wildfire. If you own your home free and clear, you are not legally required to carry insurance, but doing so is strongly recommended.

The more pressing question for many Oregon homeowners is not whether insurance is required — it is whether they can get it. As insurers restrict coverage in high fire-risk areas, some Oregon homeowners are finding it difficult to obtain or maintain coverage. Insure Pacific helps homeowners navigate this challenging market.