Home Insurance in Box Elder County, Utah
With a median home value of $403,600, Box Elder County is 18% lower than the Utah median.
The typical home in Box Elder County was built around 1983. About 24% of homes were built before 1960, about 8 points above Utah's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Box Elder County is 82% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Box Elder County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Box Elder County are owner-occupied.
In Box Elder County, 80% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Box Elder County's top hazards are wildfire (Relatively Moderate), earthquake (Relatively Moderate) and winter weather (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Box Elder County has 40 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Utah, the statewide average premium for a standard HO-3 homeowners policy is $1,107 per year (NAIC, 2023 data).
Key figures
| Median home value | $403,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 40 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bear River City
- Brigham City
- Corinne
- Deweyville
- Fielding
- Garland
- Howell
- Mantua
- Perry
- Plymouth
- Portage
- Snowville
- Tremonton
- Willard
Smaller communities
-
Elwood
- Median home value: $516,400
- Median year built: 1997
- Owner-occupied share: 94%
-
Honeyville
- Median home value: $477,800
- Median year built: 1990
- Owner-occupied share: 88%
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)