Home Insurance in Price, Utah
Homes in Price carry a median value of $225,600 - close to the Carbon 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 Price was built around 1973. About 39% of homes were built before 1960, in line with Carbon County (40%).
The housing stock in Price is 68% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Price, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Price are owner-occupied.
85% of homes in Price are primarily heated with natural gas.
Carbon County had 45 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Carbon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $225,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Carbon County | 45 |
| 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)