Home Insurance in Enoch, Utah
Homes in Enoch carry a median value of $386,200 - close to the Iron County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Enoch was built around 2001. About 3% of homes were built before 1960, about 4 points below Iron County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Enoch is 92% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 77% of owner-occupied homes in Enoch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Enoch are owner-occupied.
Most homes in Enoch - 80% - are primarily heated with natural gas.
FEMA rates Iron County's overall risk as Relatively Low, led by wildfire (Relatively High). Iron County had 111 active NFIP flood policies as of September 2026. See the full Iron 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 | $386,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)