Oregon Coast Wildfire Insurance
Comprehensive wildfire protection for Oregon Coast homeowners and businesses — from Brookings to Astoria

Oregon Coast Wildfire Insurance
Comprehensive wildfire protection for Oregon Coast homeowners and businesses — from Brookings to Astoria
Or Get A Free QuoteWildfire Insurance for Oregon Coast Properties
The Oregon Coast faces unique and growing wildfire risks. The Siskiyou Mountains near Brookings, the Coast Range forests, and the interface between coastal communities and dense timber create conditions where wildfire can threaten homes with little warning. The 2002 Biscuit Fire, the 2020 Chetco Bar Fire, and other major events have demonstrated that Oregon Coast homeowners need robust wildfire coverage. Gerald Ross Agency has been protecting Oregon Coast families since 1937 and specializes in finding comprehensive wildfire insurance — including coverage for properties that standard carriers have declined.

Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
What's Covered
Dwelling Coverage
Full replacement cost coverage for your home if destroyed by wildfire — rebuilt to current building codes.
Personal Property
Covers your belongings destroyed in a wildfire at replacement cost value.
Additional Living Expenses
Pays for temporary housing and living expenses while your home is rebuilt after a wildfire.
Landscaping & Outbuildings
Covers trees, shrubs, fences, and detached structures destroyed in a wildfire.
Debris Removal
Covers the cost of removing debris and hazardous materials after a wildfire.
Liability Coverage
Covers your liability if a fire originating on your property spreads to neighboring properties.
Surplus Lines Options
Access to specialty carriers for high-risk coastal properties that standard insurers have declined.
FAIR Plan Alternatives
Better alternatives to Oregon's FAIR Plan with more comprehensive coverage and competitive pricing.
Frequently Asked Questions
Common questions about this coverage in Oregon.
Still have questions? Our licensed agents are here to help.
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