Home Insurance in Garfield County, Utah
The median home value in Garfield County is $318,100, 35% lower than the Utah median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garfield County was built around 1982. About 24% of homes were built before 1960, about 9 points above Utah's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Garfield County is 86% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Garfield County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Garfield County has an owner-occupancy rate of 70% and a vacancy rate of 44%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Garfield County are primarily heated with electricity.
Per FEMA's National Risk Index, Garfield County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Garfield County has 33 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $318,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 33 |
| 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)