Home Insurance in West Bountiful, Utah
With a median home value of $579,400, West Bountiful is 15% higher than the Davis County median.
The typical home in West Bountiful was built around 1981. About 9% of homes were built before 1960, in line with Davis County (10%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In West Bountiful, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
73% of owner-occupied homes in West Bountiful carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Bountiful has an owner-occupancy rate of 87% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
87% of homes in West Bountiful 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 | $579,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)