Home Insurance in Orangeville, Utah
The median home value in Orangeville is $246,200, 13% higher than the Emery County median.
The typical home in Orangeville was built around 1977. About 18% of homes were built before 1960, in line with Emery County (18%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Orangeville is 86% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Orangeville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Orangeville are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Orangeville - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Orangeville? FEMA's National Risk Index points to earthquake (Relatively Low) in Emery County and Emery County had 8 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $246,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)