Home Insurance in Salt Lake County, Utah
With a median home value of $525,700, Salt Lake County is 7% higher than the Utah median.
The typical home in Salt Lake County was built around 1986. About 18% of homes were built before 1960, about 3 points above Utah's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Salt Lake County is 69% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 70% of owner-occupied homes in Salt Lake County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Salt Lake County has an owner-occupancy rate of 66% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Salt Lake County - 82% - are primarily heated with natural gas.
The top hazards for Salt Lake County, per FEMA's National Risk Index, are earthquake (Relatively High), winter weather (Very High) and wildfire (Relatively High). 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, Salt Lake County has 1,166 active NFIP flood policies on file.
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 | $525,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Winter Weather (Very High), Wildfire (Relatively High) |
| Active NFIP flood policies (county) | 1,166 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alta
- Bluffdale
- Brighton
- Copperton
- Cottonwood Heights
- Draper
- Emigration Canyon
- Herriman
- Holladay
- Kearns
- Magna
- Midvale
- Millcreek
- Salt Lake City
- Sandy
- South Jordan
- South Salt Lake
- Taylorsville
- White City
Smaller communities
-
Murray
- Median home value: $507,500
- Median year built: 1978
- Owner-occupied share: 65%
-
Riverton
- Median home value: $592,700
- Median year built: 2001
- Owner-occupied share: 85%
-
West Jordan
- Median home value: $492,500
- Median year built: 1995
- Owner-occupied share: 77%
-
West Valley City
- Median home value: $419,100
- Median year built: 1985
- Owner-occupied share: 72%
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)