Home Insurance in Willard, Utah
Homes in Willard carry a median value of $451,300 - 12% higher than the Box Elder County median.
The typical home in Willard was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 12 points above Box Elder County's 24%.
Housing in Willard breaks down to 97% single-family homes and 1% mobile or manufactured homes.
In Willard, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Willard has an owner-occupancy rate of 84% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Willard, 91% of homes 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.
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 | $451,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)