Home Insurance in Bryce Canyon City, Utah
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bryce Canyon City was built around 1970. About 27% of homes were built before 1960, about 3 points above Garfield County's 24%.
The housing stock in Bryce Canyon City is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bryce Canyon City, about 100% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 39% of occupied homes in Bryce Canyon City are owner-occupied. The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Bryce Canyon City are primarily heated with electricity.
What's the biggest home insurance risk near Bryce Canyon City? FEMA's National Risk Index points to winter weather (Relatively High) in Garfield County and Garfield County had 33 active NFIP flood policies as of September 2026. See the full Garfield 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 year built | 1970 |
|---|---|
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 100% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Garfield County | 33 |
| 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)