Home Insurance in Brighton, Utah
Homes in Brighton carry a median value of $887,900 - 69% higher than the Salt Lake County median.
The typical home in Brighton was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 8 points below Salt Lake County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brighton is 83% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
82% of owner-occupied homes in Brighton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brighton has an owner-occupancy rate of 95% and a vacancy rate of 77%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Brighton are primarily heated with propane.
Salt Lake County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Salt Lake County had 1,166 active NFIP flood policies as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $887,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)