Home Insurance in Duchesne County, Utah
The median home value in Duchesne County is $283,700, 42% lower than the Utah median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Duchesne County was built around 1986. About 15% of homes were built before 1960, in line with Utah (15%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Duchesne County is 73% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 56% of owner-occupied homes in Duchesne County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Duchesne County has an owner-occupancy rate of 79% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Duchesne County, 43% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Duchesne County's top hazards are wildfire (Relatively Low), earthquake (Relatively Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Duchesne County had 7 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $283,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)