Home Insurance in Centerville, Utah
Homes in Centerville carry a median value of $531,200 - 5% higher than the Davis County median.
The typical home in Centerville was built around 1987. About 11% of homes were built before 1960, about 2 points above Davis County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Centerville, the housing stock is 84% single-family homes and 12% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Centerville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Centerville 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 Centerville - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Centerville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Davis County and 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 | $531,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- West Bountiful
- Bountiful
- Woods Cross
- Farmington
- North Salt Lake
- Fruit Heights
- Kaysville
- Salt Lake City
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)