Home Insurance in Circleville, Utah
Homes in Circleville carry a median value of $266,700 - close to the Piute County median.
The typical home in Circleville was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 10 points above Piute County's 36%.
The housing stock in Circleville 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.
In Circleville, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Circleville has an owner-occupancy rate of 98% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
In Circleville, 65% 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.
Piute County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Low). See the full Piute 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 | $266,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Piute County | 23 |
| 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)