Home Insurance in Carbon County, Utah
With a median home value of $228,500, Carbon County is 53% lower than the Utah median.
The typical home in Carbon County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 25 points above Utah's 15%.
In Carbon County, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Carbon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Carbon County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Carbon County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Carbon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Carbon County had 45 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $228,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 45 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
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)