Home Insurance in Castle Valley, Utah
The median home value in Castle Valley is $422,600, 22% lower than the Grand County median.
The typical home in Castle Valley was built around 1994. About 2% of homes were built before 1960, about 11 points below Grand County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Castle Valley is 92% single-family homes and 6% mobile or manufactured homes.
In Castle Valley, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Castle Valley has an owner-occupancy rate of 87% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
38% of homes in Castle Valley are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Grand County's overall risk as Very Low, led by wildfire (Very Low). Grand County had 178 active NFIP flood policies as of September 2026. See the full Grand 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 | $422,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Grand County | 178 |
| 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)