Home Insurance in Nephi, Utah
Homes in Nephi carry a median value of $416,000 - close to the Juab County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Nephi was built around 1979. About 28% of homes were built before 1960, in line with Juab County (28%).
The housing stock in Nephi is 91% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Nephi, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Nephi are owner-occupied.
77% of homes in Nephi are primarily heated with natural gas.
FEMA rates Juab County's overall risk as Very Low, led by wildfire (Relatively Moderate). Juab County had 7 active NFIP flood policies as of September 2026. See the full Juab 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 | $416,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)