Home Insurance in Daggett County, Utah
With a median home value of $282,300, Daggett County is 42% lower than the Utah median.
The typical home in Daggett County was built around 1979. About 9% of homes were built before 1960, about 6 points below Utah's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Daggett County, the housing stock is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Daggett County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Daggett County has an owner-occupancy rate of 82% and a vacancy rate of 75%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Daggett County are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Low) and earthquake (Very Low) as the leading hazards for Daggett County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Daggett County has no active NFIP flood policies on file.
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 | $282,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Earthquake (Very Low) |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)