Home Insurance in Alton, Utah
The median home value in Alton is $380,000, 8% lower than the Kane County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Alton was built around 1993. About 22% of homes were built before 1960, about 13 points above Kane County's 9%.
Housing in Alton breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 34% of owner-occupied homes in Alton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Alton has an owner-occupancy rate of 92% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Alton, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Alton? FEMA's National Risk Index points to wildfire (Relatively Low) in Kane County and Kane County had 32 active NFIP flood policies as of September 2026. See the full Kane 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 | $380,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kane County | 32 |
| 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)