Home Insurance in Minersville, Utah
Homes in Minersville carry a median value of $309,600 - 9% higher than the Beaver County median.
The typical home in Minersville was built around 1985. About 26% of homes were built before 1960, about 12 points below Beaver County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Minersville, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Minersville, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Minersville are owner-occupied.
Most homes in Minersville - 84% - are primarily heated with natural gas.
FEMA rates Beaver County's overall risk as Very Low, led by wildfire (Relatively Low). Beaver County had 25 active NFIP flood policies as of September 2026. See the full Beaver County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $309,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Beaver County | 25 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)