In central, southern, and eastern Oregon, major insurers have significantly scaled back their coverage, leaving some homeowners with no choice but to turn to the insurer of last resort. Some now face an annual property insurance premium of $9,000—more than nine times what they were charged just a year ago. A growing group of homeowners in Oregon are grappling with higher premiums or policy cancellations due to the devastating 2020 Labor Day Fires, which destroyed over 4,000 homes—making it the state’s costliest natural disaster ever.