Home Insurance in Cache County, Utah
The median home value in Cache County is $444,400, 9% lower than the Utah median.
The typical home in Cache County was built around 1992. About 17% of homes were built before 1960, about 2 points above Utah's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cache County, the housing stock is 71% 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.
In Cache County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cache County has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Cache County - 81% - are primarily heated with natural gas.
The top hazards for Cache County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), winter weather (Relatively High) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Cache County had 97 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $444,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Winter Weather (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 97 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Amalga
- Clarkston
- Cornish
- Hyde Park
- Hyrum
- Lewiston
- Logan
- Mendon
- Millville
- Newton
- Nibley
- North Logan
- Paradise
- Providence
- Richmond
- River Heights
- Smithfield
- Trenton
- Wellsville
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)