Oregon home rebuild cost calculator
By Severance Calculator Editorial · Updated
What does it cost per square foot to rebuild a home in Oregon?
Oregon is in the Pacific Census division; NAHB 2024 median custom $/sqft is $167. Portland metro and central-Oregon resort communities (Bend, Sisters) run above baseline; rural eastern Oregon runs closer to it.
Oregon replacement-cost statute
Oregon Revised Statutes §742.276 (Estimates of cost to rebuild or replace covered property) — view full text.
Under ORS 742.276, homeowners insurers must offer the insured a new estimate of the cost to rebuild or replace covered property at least every other policy renewal. ORS 742.270 governs repair, rebuilding, and replacement obligations under homeowners policies; ORS 742.273 requires combined dwelling/other-structures limits in declared-emergency total losses if dwelling coverage is insufficient.
Post-disaster reconstruction premium
Oregon's wildland-urban-interface counties (Jackson, Lane, Marion, Clackamas) carry meaningful wildfire exposure (the 2020 Labor Day fires drove statewide rebuild-cost pressure). Coastal Oregon faces winter-storm and atmospheric-river flooding; the Willamette Valley sees occasional severe-convective and ice-storm losses.
Where to get help in Oregon
FAQ — Oregon rebuild cost
- Is replacement cost coverage required in Oregon?
- Under ORS 742.276, homeowners insurers must offer the insured a new estimate of the cost to rebuild or replace covered property at least every other policy renewal. ORS 742.270 governs repair, rebuilding, and replacement obligations under homeowners policies; ORS 742.273 requires combined dwelling/other-structures limits in declared-emergency total losses if dwelling coverage is insufficient.
- What happens to rebuild costs after a major disaster in Oregon?
- Oregon's wildland-urban-interface counties (Jackson, Lane, Marion, Clackamas) carry meaningful wildfire exposure (the 2020 Labor Day fires drove statewide rebuild-cost pressure). Coastal Oregon faces winter-storm and atmospheric-river flooding; the Willamette Valley sees occasional severe-convective and ice-storm losses.
- What is the typical $/sqft to rebuild in Oregon?
- Oregon is in the Pacific Census division; NAHB 2024 median custom $/sqft is $167. Portland metro and central-Oregon resort communities (Bend, Sisters) run above baseline; rural eastern Oregon runs closer to it.