Home Insurance in Woods Cross, Utah
Homes in Woods Cross carry a median value of $497,400 - close to the Davis County median.
The typical home in Woods Cross was built around 2001. About 5% of homes were built before 1960, about 5 points below Davis County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Woods Cross breaks down to 84% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 81% of owner-occupied homes in Woods Cross have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Woods Cross are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Woods Cross, 87% of homes are primarily heated with natural gas.
Davis County had 345 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $497,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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
- North Salt Lake
- West Bountiful
- Bountiful
- Centerville
- Salt Lake City
- Farmington
- Fruit Heights
- Kaysville
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)