Home Insurance in Morgan, Utah
With a median home value of $479,900, Morgan is 27% lower than the Morgan County median.
The typical home in Morgan was built around 1993. About 31% of homes were built before 1960, about 10 points above Morgan County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Morgan breaks down to 92% single-family homes.
About 74% of owner-occupied homes in Morgan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Morgan are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Morgan are primarily heated with natural gas.
Morgan County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Morgan County had 48 active NFIP flood policies as of September 2026. See the full Morgan County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $479,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Morgan County | 48 |
| 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)