Home Insurance in Amalga, Utah
With a median home value of $431,300, Amalga is close to the Cache County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Amalga was built around 1977. About 26% of homes were built before 1960, about 10 points above Cache County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Amalga is 91% single-family homes and 7% mobile or manufactured homes.
61% of owner-occupied homes in Amalga carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Amalga are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Amalga are primarily heated with natural gas.
FEMA rates Cache County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Cache County had 97 active NFIP flood policies as of September 2026. See the full Cache County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $431,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Cache County | 97 |
| 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)