Home Insurance in Cottonwood Heights, Utah
Homes in Cottonwood Heights carry a median value of $694,100 - 32% 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 Cottonwood Heights was built around 1978. About 9% of homes were built before 1960, about 9 points below Salt Lake County's 18%.
Housing in Cottonwood Heights breaks down to 77% single-family homes and 18% apartments in buildings with 5+ units.
In Cottonwood Heights, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Cottonwood Heights are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cottonwood Heights - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near Cottonwood Heights? FEMA's National Risk Index points to earthquake (Relatively High) in Salt Lake County and 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 | $694,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)