Stonegate Homeowners Association
595 Toms Drive, Hood River, OR, 97031
Solid, with items to review
Flood-claim history is the main driver — $26K paid across 3 claims in ZIP 97031.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Homes, Stories, Year built, Management.
Board member or manager at Stonegate Homeowners Association? Complete your building's profile — free.
Schools nearby
- Westside Elementary School0.8 mi
- Hood River Valley High School1.2 mi
- Hood River Middle School1.4 mi
Distances are straight-line from this building. Enrollment counts come from the federal school directory — no school ratings are published in this data, so none are shown. NCES Common Core of Data
Know the risks before you buy
Natural-hazard profile — Hood River County
Overall county risk: Very Low compared with other U.S. counties.
FEMA expects natural hazards to cost $14.9M per year across Hood River County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 97031
Federal flood insurance has paid $26K across 3 claims in this ZIP code since 1996. The worst year was 1996 ($26K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Oregon average: $419/yr for a condo unit-owner (HO-6) policy — 27% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Oregon average $988/yr across 22,387 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Oregon
- If the private market says no: Oregon FAIR Plan Association — statewide policy of last resort (basic fire/wind forms, $600K dwelling max) after two declinations.
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Oregon Division of Financial Regulation.
Insurance market in Oregon
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Stonegate Homeowners Association report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Oregon market rules
- Where to request the official documents, with direct links
One email, no account. We may share your request with a licensed local professional and contact you about this building. Privacy, in plain English.
Line up the work — free to ask, no obligation
Tell us what Stonegate Homeowners Association needs and we'll connect you with licensed professionals who cover OR.
We share your request only with matching licensed professionals — never sold elsewhere, and no spam. Vendors may pay us for the introduction; that never changes your price. Privacy, in plain English. Are you a vendor? Join the network.
What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Oregon: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Stonegate Homeowners Association mortgage-ready?
Answer 12 plain-English questions and see how this building lines up with Fannie Mae's published standards. Free, no account.
Watch this building
Public records change — SIRS filings, management changes, new disaster declarations. Leave your email and we'll watch Stonegate Homeowners Association for you.
Free. We'll email you only when something changes. Privacy policy.