Home Insurance in Morgan County, Utah
Homes in Morgan County carry a median value of $654,900 - 34% higher than the Utah median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Morgan County was built around 1997. About 20% of homes were built before 1960, about 5 points above Utah's 15%.
The housing stock in Morgan County is 97% single-family homes.
About 64% of owner-occupied homes in Morgan County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Morgan County has an owner-occupancy rate of 89% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Morgan County - 91% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Morgan County's top hazards are wildfire (Relatively Low), winter weather (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Morgan County has 48 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $654,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)