Home Insurance in Scipio, Utah
Homes in Scipio carry a median value of $311,300 - 9% higher than the Millard County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Scipio was built around 1944. About 62% of homes were built before 1960, about 24 points above Millard County's 38%.
In Scipio, the housing stock is 96% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Scipio have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Scipio 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 Scipio, 90% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Scipio? 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.
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 | $311,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)