Home Insurance in River Heights, Utah
Homes in River Heights carry a median value of $464,400 - close to the Cache County median.
The typical home in River Heights was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 18 points above Cache County's 17%.
In River Heights, the housing stock is 98% single-family homes and 1% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in River Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
River Heights has an owner-occupancy rate of 90% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
86% of homes in River Heights are primarily heated with natural gas.
Cache County had 97 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $464,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)