Compare quotes for your home in 97640! Compare the best 12 carriers in minutes.
Home Insurance Rates in 97640
For homeowners shopping online in 97640, our insurance rates are very competitive for homeowners living in Summer Lake, OR. Many homeowners based out of the great city of Summer Lake have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 97640, simply click the "Get Multiple Quotes Now" button. Your 97640 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Summer Lake, OR Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
97640 Home Insurance Rating is: Very Low!
If you live in 97640, you can easily save up to 40% off the average home insurance premium of $626 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Summer Lake can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 97640 today!
97640 Home Insurance Average Premiums
$376 /yr.
Shows Zip Code: 97640 lowest rates with discounts applied on average.
For the 97640, 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) | $376 /yr. |
| Average Coverage: | $626 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $926 /yr. |
What is the average home insurance cost for a home in 97640?
- • The average homeowners insurance premium paid annually for a home in 97640 is around $626 per year.
What does it cost on average per month for home insurance in 97640?
- • Homeowners in 97640 pay a monthly average cost per month around $52.00.
What kind of discount could I get if I combine my home and auto insurance together in 97640?
- • Autoowners in 97640 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.
You can easily shop and compare home insurance rates within Summer Lake, check out other zip codes nearby 97640.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 97640
Average Building Cost Per Square Foot in 97640: $221
Location: Summer Lake, Oregon (Lake County)Average Square Footage in 97640: 1,193 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97640 before you start any project. Summer Lake 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 97640 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 97640 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,193 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 Summer Lake 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 1,193 | $263,600 |
| Additional Upgrades & Added Features | $276 | 1,193 | $329,500 |
| Major Home Updates or Advancements | $332 | 1,193 | $395,400 |
It's important to understand that when you estimate your replacement cost of your home in the 97640 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 97640
Best Home & Auto Insurance Agencies in 97640
Housing Demographics for 97640
Population Review for 97640 Zip Code
For the city of Summer Lake, the population within 97640 has increased to over 14 residents in population size. The current population total is 104. We have broken down the population based on race below. In 97640, there are over 53 in male population and 51 females.
| Population | Values |
|---|---|
| Total Population | 104 |
| White Population | 102 |
| Black Population | 0 |
| Hispanic Population | 0 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 0 |
| Male Population | 53 |
| Female Population | 51 |
| Population Estimate | 14 |
Household Data for 97640
The average number of homes in 97640 is around 59, there are an average of 1.76 per household. The average house value according to local real estate values is around $263,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 59 |
| Persons Per Household | 1.76 |
| Average House Value | $263,600 |
| Income Per Household | $53750 |
| Median Age | 46.0 |
| Median Age Male | 39.8 |
| Median Age Female | 53.3 |
| 97640 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541 |
| City | Summer Lake |
| City Alias Name | SUMMER LAKE |
| County | Lake |
| County FIPS | 037 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 3 |
| Number Of Employees | 12 |
| Business First Quarter Payroll | 47 |
| Business Annual Payroll | 265 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 69442.78 |
| Delivery Residential | 8 |
| Delivery Business | 4 |
| Delivery Total | 74 |
| Preferred Last Line Key | Z15612 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15612 |
| Land Area | 364.862000 |
| Water Area | 50.357000 |
| City Alias Code | |
| City Mixed Case | Summer Lake |
| City Alias Mixed Case | Summer Lake |
| Box Count | 53 |
| SFDU | 8 |
| MFDU | 0 |
| State ANSI | 41 |
| County ANSI | 037 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 408016 |
| Unique ZIP Name | |
| SSA State County Code | 38180 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 4 |
| County Mixed Case | Lake |
Oregon Homeowners Insurance News & Information
-
Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
-
Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
-
New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]