Home Insurance in West Point, Utah
With a median home value of $491,100, West Point is close to the Davis County median.
The typical home in West Point was built around 2001. About 11% of homes were built before 1960, about 2 points above Davis County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In West Point, the housing stock is 94% single-family homes and 2% apartments in buildings with 5+ units.
In West Point, about 78% 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 88% of occupied homes in West Point are owner-occupied.
94% of homes in West Point 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.
In Utah, the statewide average premium for a standard HO-3 homeowners policy is $1,107 per year (NAIC, 2023 data).
Key figures
| Median home value | $491,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)