Home Insurance in Brian Head, Utah
Homes in Brian Head carry a median value of $468,200 - 24% higher than the Iron County median.
The typical home in Brian Head was built around 1988. About 1% of homes were built before 1960, about 6 points below Iron County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Brian Head is 25% single-family homes, 70% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Brian Head, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 97%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Brian Head are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Brian Head are primarily heated with electricity.
Iron County had 111 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Iron County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $468,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Iron County | 111 |
| 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)