Home Insurance in South Weber, Utah
With a median home value of $549,200, South Weber is 9% higher than the Davis County median.
The typical home in South Weber was built around 2001. About 1% of homes were built before 1960, about 8 points below Davis County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in South Weber is 94% single-family homes and 2% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in South Weber have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Weber has an owner-occupancy rate of 95% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in South Weber - 90% - 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 | $549,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)