Home Insurance in Kanab, Utah
The median home value in Kanab is $456,800, 11% higher than the Kane County median.
The typical home in Kanab was built around 1995. About 7% of homes were built before 1960, about 2 points below Kane County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Kanab, the housing stock is 77% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kanab, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kanab has an owner-occupancy rate of 76% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Kanab - 52% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Kanab? 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.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $456,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)