Home Insurance in Piute County, Utah
With a median home value of $264,800, Piute County is 46% lower than the Utah median.
The typical home in Piute County was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 21 points above Utah's 15%.
The housing stock in Piute County is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Piute County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Piute County has an owner-occupancy rate of 95% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
In Piute County, 45% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Low), wildfire (Very Low) and earthquake (Very Low) as the leading hazards for Piute County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Piute County had 23 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $264,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 23 |
| 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)