Home Insurance in North Salt Lake, Utah
With a median home value of $497,700, North Salt Lake is close to the Davis County median.
The typical home in North Salt Lake was built around 2002. About 6% of homes were built before 1960, about 3 points 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 North Salt Lake, the housing stock is 67% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In North Salt Lake, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in North Salt Lake are owner-occupied.
In North Salt Lake, 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 | $497,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- Bountiful
- West Bountiful
- Salt Lake City
- Centerville
- Farmington
- South Salt Lake
- Emigration Canyon
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)