Home Insurance in Kingston, Utah
The median home value in Kingston is $274,300, close to the Piute County median.
The typical home in Kingston was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 20 points below Piute County's 36%.
The housing stock in Kingston is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kingston, about 88% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kingston has an owner-occupancy rate of 100% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Kingston - 59% - are primarily heated with electricity. 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's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Piute County had 23 active NFIP flood policies as of September 2026. See the full Piute 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 | $274,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)