Home Insurance in Syracuse, Utah
With a median home value of $573,300, Syracuse is 13% higher than the Davis County median.
The typical home in Syracuse was built around 2005. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 8 points below Davis County's 10%.
The housing stock in Syracuse is 96% single-family homes and 2% apartments in buildings with 5+ units.
About 80% of owner-occupied homes in Syracuse have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Syracuse are owner-occupied.
Most homes in Syracuse - 86% - are primarily heated with natural gas.
FEMA rates Davis County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $573,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)