Home Insurance in Hatch, Utah
With a median home value of $291,700, Hatch is 8% lower than the Garfield County median.
The typical home in Hatch was built around 1969. About 44% of homes were built before 1960, about 20 points above Garfield County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hatch, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hatch, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Hatch are owner-occupied.
In Hatch, 44% of homes are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Garfield County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 home value | $291,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)