Home Insurance in Mona, Utah
With a median home value of $483,700, Mona is 14% higher than the Juab County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mona was built around 2001. About 14% of homes were built before 1960, about 14 points below Juab County's 28%.
The housing stock in Mona is 98% single-family homes and 2% mobile or manufactured homes.
About 74% of owner-occupied homes in Mona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mona has an owner-occupancy rate of 97% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Mona, 91% of homes are primarily heated with natural gas.
Juab County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Juab 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 | $483,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Juab County | 7 |
| 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)