Home Insurance in Iron County, Utah
With a median home value of $379,000, Iron County is 23% lower than the Utah median.
The typical home in Iron County was built around 1997. About 7% of homes were built before 1960, about 8 points below Utah's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Iron County, the housing stock is 74% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Iron County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Iron County are owner-occupied.
Most homes in Iron County - 66% - are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively High), winter weather (Relatively High) and earthquake (Relatively Low) as the leading hazards for Iron County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Iron County had 111 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $379,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
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)