Home Insurance in Emery County, Utah
Homes in Emery County carry a median value of $218,700 - 55% lower than the Utah median.
The typical home in Emery County was built around 1978. About 18% of homes were built before 1960, about 3 points above Utah's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Emery County, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Emery County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Emery County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Emery County - 59% - are primarily heated with natural gas.
The top hazards for Emery County, per FEMA's National Risk Index, are earthquake (Relatively Low), winter weather (Relatively Moderate) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Emery County has 8 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $218,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 8 |
| 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)