Home Insurance in Perry, Utah
Homes in Perry carry a median value of $465,100 - 15% higher than the Box Elder County median.
The typical home in Perry was built around 2001. About 4% of homes were built before 1960, about 19 points below Box Elder County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Perry breaks down to 95% single-family homes and 2% apartments in buildings with 5+ units.
In Perry, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Perry are owner-occupied.
96% of homes in Perry are primarily heated with natural gas.
FEMA rates Box Elder County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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.
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 | $465,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)