Home Insurance in Beaver County, Utah
With a median home value of $283,700, Beaver County is 42% lower than the Utah median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Beaver County was built around 1976. About 38% of homes were built before 1960, about 23 points above Utah's 15%.
In Beaver County, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Beaver County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Beaver County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Beaver County are primarily heated with natural gas.
Per FEMA's National Risk Index, Beaver County's top hazards are wildfire (Relatively Low), winter weather (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Beaver County has 25 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $283,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 25 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)