Home Insurance in Altamont, Utah
With a median home value of $214,300, Altamont is 24% lower than the Duchesne County median.
The typical home in Altamont was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 7 points below Duchesne County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Altamont is 68% single-family homes and 30% mobile or manufactured homes.
58% of owner-occupied homes in Altamont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Altamont has an owner-occupancy rate of 90% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Altamont - 59% - are primarily heated with natural gas.
Duchesne County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Duchesne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $214,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Duchesne County | 7 |
| 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)