Home Insurance in Davis County, Utah
The median home value in Davis County is $505,500, close to the Utah median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Davis County was built around 1993. About 10% of homes were built before 1960, about 5 points below Utah's 15%.
Housing in Davis County breaks down to 80% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Davis County, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Davis County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Davis County - 86% - are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Moderate), wildfire (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Davis 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. As of September 2026, Davis County has 345 active NFIP flood policies on file.
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 | $505,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 345 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bountiful
- Centerville
- Clearfield
- Clinton
- Farmington
- Fruit Heights
- Kaysville
- Layton
- North Salt Lake
- South Weber
- Sunset
- Syracuse
- West Bountiful
- West Point
- Woods Cross
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)