Home Insurance in Delta, Utah
Homes in Delta carry a median value of $271,400 - close to the Millard 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 Delta was built around 1975. About 36% of homes were built before 1960, about 3 points below Millard County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Delta is 85% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 67% of owner-occupied homes in Delta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Delta has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Delta - 82% - are primarily heated with natural gas.
Millard County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Millard County had 20 active NFIP flood policies as of September 2026. See the full Millard 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 | $271,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Millard County | 20 |
| 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)