Home Insurance in Cleveland, Utah
With a median home value of $192,000, Cleveland is 12% lower than the Emery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cleveland was built around 1979. About 9% of homes were built before 1960, about 9 points below Emery County's 18%.
The housing stock in Cleveland is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cleveland, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cleveland has an owner-occupancy rate of 75% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Cleveland, 87% of homes are primarily heated with natural gas.
Emery County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Emery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $192,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Emery County | 8 |
| 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)