Home Insurance in Alta, Utah
The median home value in Alta is $2,000,000+.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Alta was built around 1986. About 5% of homes were built before 1960, about 13 points below Salt Lake County's 18%.
The housing stock in Alta is 65% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 19% of owner-occupied homes in Alta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 35% of occupied homes in Alta are owner-occupied. The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Alta - 72% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Salt Lake County had 1,166 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Salt Lake County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $2,000,000+ |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Salt Lake County | 1,166 |
| 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)