Home Insurance in Moab, Utah
The median home value in Moab is $518,900, close to the Grand County median.
The typical home in Moab was built around 1979. About 21% of homes were built before 1960, about 8 points above Grand County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Moab is 60% single-family homes, 13% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Moab carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Moab are owner-occupied.
In Moab, 82% of homes are primarily heated with natural gas.
Grand County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. 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.
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 | $518,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)