Home Insurance in Duchesne, Utah
The median home value in Duchesne is $262,200, 8% lower than the Duchesne County median.
The typical home in Duchesne was built around 1978. About 25% of homes were built before 1960, about 10 points above Duchesne County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Duchesne, the housing stock is 72% single-family homes, 3% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Duchesne, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Duchesne has an owner-occupancy rate of 82% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Duchesne - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Duchesne? FEMA's National Risk Index points to wildfire (Relatively Low) in Duchesne County and Duchesne County had 7 active NFIP flood policies as of September 2026. See the full Duchesne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $262,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)