Home Insurance in Smithfield, Utah
Homes in Smithfield carry a median value of $450,200 - close to the Cache County median.
The typical home in Smithfield was built around 2002. About 13% of homes were built before 1960, about 4 points below Cache County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Smithfield, the housing stock is 90% single-family homes and 5% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Smithfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Smithfield has an owner-occupancy rate of 80% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Smithfield - 85% - 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.
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 | $450,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)