Home Insurance in Brigham City, Utah
Homes in Brigham City carry a median value of $369,300 - 8% lower than the Box Elder County median.
The typical home in Brigham City was built around 1971. About 33% of homes were built before 1960, about 9 points above Box Elder County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Brigham City breaks down to 74% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Brigham City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Brigham City are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Brigham City are primarily heated with natural gas.
Box Elder County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $369,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)