Home Insurance in Bountiful, Utah
With a median home value of $532,200, Bountiful is 5% higher than the Davis County median.
The typical home in Bountiful was built around 1973. About 27% of homes were built before 1960, about 17 points above Davis County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bountiful, the housing stock is 75% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Bountiful carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Bountiful are owner-occupied.
In Bountiful, 88% of homes are primarily heated with natural gas.
FEMA rates Davis County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Davis County had 345 active NFIP flood policies as of September 2026. See the full Davis County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $532,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Davis County | 345 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Nearby towns
- Woods Cross
- West Bountiful
- North Salt Lake
- Centerville
- Salt Lake City
- Farmington
- Emigration Canyon
- Fruit Heights
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)