Home Insurance in Sunset, Utah
Homes in Sunset carry a median value of $332,500 - 34% lower than the Davis County median.
The typical home in Sunset was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 30 points above Davis County's 10%.
In Sunset, the housing stock is 77% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 85% of owner-occupied homes in Sunset have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Sunset are owner-occupied.
Most homes in Sunset - 94% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sunset? 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.
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 | $332,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)