Home Insurance in Bear River City, Utah
With a median home value of $433,100, Bear River City is 7% higher than the Box Elder County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bear River City was built around 1981. About 27% of homes were built before 1960, about 4 points above Box Elder County's 24%.
The housing stock in Bear River City is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bear River City, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Bear River City are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Bear River City are primarily heated with natural gas.
What's the biggest home insurance risk near Bear River City? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Box Elder County and Box Elder County had 40 active NFIP flood policies as of September 2026. See the full Box Elder County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $433,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Box Elder County | 40 |
| 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)