Home Insurance in Leamington, Utah
The median home value in Leamington is $265,600, 7% lower than the Millard County median.
The typical home in Leamington was built around 1987. About 26% of homes were built before 1960, about 13 points below Millard County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Leamington, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
66% of owner-occupied homes in Leamington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Leamington are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leamington, 43% of homes are primarily heated with natural gas.
FEMA rates Millard County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $265,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)