Home Insurance in Dutch John, Utah
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dutch John was built around 1974. About 5% of homes were built before 1960, about 3 points below Daggett County's 9%.
In Dutch John, the housing stock is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Dutch John have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 87%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Dutch John are owner-occupied.
In Dutch John, 100% of homes are primarily heated with natural gas.
FEMA rates Daggett County's overall risk as Very Low, led by wildfire (Relatively Low). Daggett County has no active NFIP flood policies on file. See the full Daggett 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 year built | 1974 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)