Home Insurance in Randolph, Utah
The median home value in Randolph is $204,400, 39% lower than the Rich County median.
The typical home in Randolph was built around 1968. About 41% of homes were built before 1960, about 28 points above Rich County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Randolph, the housing stock is 90% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Randolph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Randolph are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Randolph, 80% of homes are primarily heated with natural gas.
Rich County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Rich County had 3 active NFIP flood policies as of September 2026. See the full Rich 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 | $204,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Rich County | 3 |
| 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)