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Oregon FAIR Plan

Checked against official sources · Last reviewed October 13, 2026

What it is

The Oregon Legislature created the Oregon FAIR Plan Association in 1971 under ORS 735.005 to 735.145. Every insurer licensed to write property insurance in Oregon must be a member. The plan is a nonprofit, is not part of state government, and gets no tax dollars; its members carry its profits and losses.

It works like a small insurance company: it writes only property insurance for dwellings, commercial property and farms, issues policies from its own office, and handles claims with independent local adjusters. State law makes it subject to regulation by the director of the Department of Consumer and Business Services "in the same manner as an insurer."

This site is an independent guide. We are not the Oregon FAIR Plan, can't sell or change a policy, and are not affiliated with the plan or DFR. [9][10]

Who is eligible

- Two declines first. The plan says you "must be turned down by two standard insurance companies before applying," and DFR says the same. If regular coverage is available to you, you are not eligible. - Occupied homes. Vacant property can't be written. - Dwellings built for one to four families qualify in every fire protection class (1 to 10) if not used for business. Dwellings used in a farming operation are not eligible for the dwelling program. - Roof. A home with an unrepaired or worn-out roof can be insured for fire only. - History. Credit history is not considered. Loss history is: for example, after several windstorm losses the plan may offer fire coverage only until you fix the cause, such as a poor roof. - Inspection. Most new policies need an in-person inspection within the first 60 days of coverage. If you refuse or don't cooperate, the plan won't offer coverage.

Wildfire areas. The plan's dwelling manual says wildfire exposure "is not specifically ineligible," but you must take reasonable steps to reduce it, such as clearing roofs and gutters, installing ember-resistant vents, maintaining the yard and trees 5 to 30 feet out, and creating a 5-foot noncombustible buffer around each structure. A property "not reasonably mitigated against wildland fire" can be declined, canceled or nonrenewed. The plan uses CoreLogic's wildfire score as a rating factor in your premium.

During a fire. The plan won't bind, broaden or increase coverage, or lower deductibles, while a declared or anticipated catastrophe such as a wildfire is in progress. [1][2][5][6][11][12][13]

What it covers and what it doesn't

The dwelling policy is the DP-1 basic form (ISO DP 00 01). It is not a homeowners package.

- Actual cash value only: claims pay current value minus depreciation; replacement cost coverage is not offered. - Limits: up to $600,000 under a dwelling policy for all coverage parts, and $1,000,000 for commercial policies. Higher limits may be possible case by case through facultative reinsurance arranged by the underwriter, with special fully earned minimum premiums. - Deductibles: minimum deductibles apply; higher ones lower the premium. - Cost: the plan says its price may be somewhat higher than the regular market in some cases and comparable in others. DFR says FAIR Plan premiums are often more expensive than the standard market. [2][5][6][11][14][15]

Filling the gaps: wrap-around policies

Because the FAIR Plan has no liability, theft or water coverage, the plan announced a partnership with Access One80 for a difference-in-conditions (DIC) "wrap" policy through Hamilton Insurance DAC. It matches the FAIR Plan's limits and wraps them into a policy like a standard HO-3 homeowners policy with liability, excluding the perils the FAIR Plan already covers. It is written on non-admitted (surplus lines) paper, and agents must be appointed with the program to offer it.

Ask your agent whether it fits your situation. Our difference-in-conditions guide explains how these policies work. [3][8][15]

How to apply

1. Use a licensed agent. You can't apply directly. Any agent licensed to write property insurance in Oregon can submit an application online. If you can't find one willing to help, the plan says it will try to give you at least two agent contacts near your home. Having an agent doesn't change your premium. 2. Application. The agent submits it through the plan's portal, signed by you and the agent, with photos of the front and rear of the home, and with the premium. 3. Decision. Agents can't bind coverage; it starts only when the plan's underwriters accept the application. Under the plan's "deemer" rule, if the plan hasn't accepted or declined an eligible risk within 20 calendar days through no fault of yours, and you paid the minimum premium with the application, you are treated as insured for 30 days. 4. Inspection. Expect an in-person inspection within the first 60 days of coverage. [1][6][11][12][13]

Paying, claims and canceling

- Payment plans: annual, semiannual or quarterly. Semiannual and quarterly plans add a $7.00 fee for each payment after the first. The plan accepts online or ACH payments, personal checks, agent or cashier's checks, mortgage-company checks and money orders; a bounced check costs $35. - Paying online: the plan moved to a new system on Jan. 12, 2026. Policies with an effective date on or after that date pay at orfp.finys.com; older policies use the Official Payments link on the plan's site. You can also pay by phone at (800) 487-4567, option 4; the card processor charges a fee. - Renewals: renewal bills are mailed to you 37 days before the renewal date. - Claims: tell your agent right away. If you can't reach your agent, file online through the policy portal or email the plan's claim notification form to info@orfairplan.com. An adjuster typically contacts you within 24 hours. - Canceling: you can cancel any time. The plan may keep a $125 minimum premium (or $5,000 if facultative reinsurance was bought) and refunds the rest pro rata. - If the plan drops you: after 60 days in force, the plan must give 30 days' written notice to cancel or nonrenew for one of its listed reasons, or 10 days for nonpayment, with the reason in plain terms. [1][6][12][16]

Recent changes

- May 1, 2023: at DFR's urging, the plan raised its limits to $600,000 for dwellings and farms (from $400,000) and $1 million for commercial buildings (from $700,000), its first increase since 2016. - June 1, 2023: the plan says the state approved a 15% general rate increase for all lines, its first rate change since 2015. - Limits since then: in a January 2025 presentation, DFR told lawmakers the plan's limits "increased in 2023, again this year." The plan's own pages and its October 2025 dwelling manual still list $600,000 as the dwelling maximum, so confirm the current limit with your agent or the plan. - 2024: DFR told lawmakers the plan's enrollment was flat through 2023 and spiked in 2024, reaching 2,321 policies at the end of 2024. - Jan. 12, 2026: the plan switched to a new policy and payment system, with two payment links during a 12-month transition. [1][2][7][8][12][17]

Getting back to the regular market

The plan tells policyholders to treat it as temporary coverage and to shop every year. If you qualify for standard coverage, you no longer qualify for the FAIR Plan. Keep your FAIR Plan policy in force while you shop. Our Oregon homeowners insurance page explains the SB 82 wildfire notices that can tell you what to fix. [6]

Help

- Oregon FAIR Plan: (503) 643-5448, 8:00 a.m. to 4:30 p.m., Monday to Friday; info@orfairplan.com; 8705 SW Nimbus Ave., Suite 360, Beaverton, OR 97008. - Oregon Division of Financial Regulation consumer advocates: (888) 877-4894 (toll-free). [3][4][5]

Questions people ask