State Farm has increased rates for its Oregon non-tenant homeowners program by 9.9%, affecting 278,633 policyholders.

The filing lists approximately $308.5 million in written premium and a projected premium increase of $30.4 million. Individual rate changes range from no increase to 77.2%.

The rates took effect August 1, 2026, for new business and October 1 for renewals. Oregon completed its review and marked the filing “Filed” on October 7.

State Farm reported an indicated rate need of 47.1%. During the review, regulators requested support for its wildfire models and catastrophe provisions, including comparisons with actual wildfire claims and an explanation of how reinsurance was considered.

The insurer’s previous rate revision was a 6.9% increase effective December 15, 2024.