Home Insurance in Fillmore, Utah
The median home value in Fillmore is $320,500, 13% higher than the Millard County median.
The typical home in Fillmore was built around 1971. About 36% of homes were built before 1960, about 3 points below Millard County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fillmore is 78% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
59% of owner-occupied homes in Fillmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Fillmore are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fillmore - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fillmore? FEMA's National Risk Index points to winter weather (Relatively High) in Millard County and 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.
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 | $320,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)