HomeInsuranceQts

Home Insurance in Bluffdale, Utah

The median home value in Bluffdale is $685,500, 30% higher than the Salt Lake County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bluffdale was built around 2011. About 4% of homes were built before 1960, about 14 points below Salt Lake County's 18%.

Housing in Bluffdale breaks down to 85% single-family homes and 12% apartments in buildings with 5+ units.

81% of owner-occupied homes in Bluffdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Bluffdale has an owner-occupancy rate of 77% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.

85% of homes in Bluffdale are primarily heated with natural gas.

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.

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$685,500
Median year built2011
Owner-occupied share77%
Share of owner-occupied homes with a mortgage81%
Top county hazardEarthquake (Relatively High)
Active NFIP policies in Salt Lake County1,166
Home insurance premium$1,107 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bluffdale, UT

Nearby towns

Sources

Data last updated: 2026-09-29