Home Insurance in Woodruff, Utah
The median home value in Woodruff is $231,000, 31% lower than the Rich County median.
The typical home in Woodruff was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 39 points above Rich County's 13%.
Housing in Woodruff breaks down to 100% single-family homes.
About 67% of owner-occupied homes in Woodruff have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Woodruff has an owner-occupancy rate of 85% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Woodruff - 70% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Rich County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Rich 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 | $231,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)