Home Insurance in Roosevelt, Utah
The median home value in Roosevelt is $282,500, close to the Duchesne County median.
The typical home in Roosevelt was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, in line with Duchesne County (15%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Roosevelt is 72% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Roosevelt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Roosevelt are owner-occupied.
Most homes in Roosevelt - 83% - are primarily heated with natural gas.
FEMA rates Duchesne County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
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 | $282,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)