Home Insurance in Logan, Utah
Homes in Logan carry a median value of $383,600 - 14% lower than the Cache County median.
The typical home in Logan was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 3 points above Cache County's 17%.
Housing in Logan breaks down to 47% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Logan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Logan has an owner-occupancy rate of 37% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Logan, 81% of homes are primarily heated with natural gas.
Cache County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $383,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)