Home Insurance in Rich County, Utah
With a median home value of $334,600, Rich County is 32% lower than the Utah median.
The typical home in Rich County was built around 1992. About 13% of homes were built before 1960, about 2 points below Utah's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Rich County, the housing stock is 75% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rich County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Rich County are owner-occupied. The vacancy rate is 73%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Rich County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Rich County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Rich County has 3 active NFIP flood policies on file.
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 | $334,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 3 |
| 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)