Home Insurance in Hyde Park, Utah
Homes in Hyde Park carry a median value of $573,900 - 29% higher than the Cache County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hyde Park was built around 1998. About 14% of homes were built before 1960, about 2 points below Cache County's 17%.
The housing stock in Hyde Park is 94% single-family homes and 1% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Hyde Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Hyde Park are owner-occupied.
In Hyde Park, 91% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hyde Park? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Cache County and 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.
In Utah, the statewide average premium for a standard HO-3 homeowners policy is $1,107 per year (NAIC, 2023 data).
Key figures
| Median home value | $573,900 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)