Home Insurance in Kaysville, Utah
The median home value in Kaysville is $623,700, 23% higher than the Davis County median.
The typical home in Kaysville was built around 1994. About 9% of homes were built before 1960, about 1 point below Davis County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kaysville, the housing stock is 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Kaysville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Kaysville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kaysville, 86% of homes are primarily heated with natural gas.
Davis County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 home value | $623,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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
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)