Home Insurance in Manila, Utah
Homes in Manila carry a median value of $244,300 - 13% lower than the Daggett County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manila was built around 1980. About 9% of homes were built before 1960, in line with Daggett County (9%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Manila is 48% single-family homes and 51% mobile or manufactured homes.
About 43% of owner-occupied homes in Manila have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Manila are owner-occupied. The vacancy rate is 72%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Manila, 53% of homes are primarily heated with propane.
What's the biggest home insurance risk near Manila? FEMA's National Risk Index points to wildfire (Relatively Low) in Daggett County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $244,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)