Home Insurance in Wellington, Utah
The median home value in Wellington is $179,500, 21% lower than the Carbon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wellington was built around 1978. About 21% of homes were built before 1960, about 19 points below Carbon County's 40%.
The housing stock in Wellington is 56% single-family homes, 9% apartments in buildings with 5+ units and 23% 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.
56% of owner-occupied homes in Wellington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Wellington are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Wellington, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Wellington? FEMA's National Risk Index points to wildfire (Relatively Low) in Carbon County and Carbon County had 45 active NFIP flood policies as of September 2026. See the full Carbon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $179,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)