Home Insurance in Emigration Canyon, Utah
With a median home value of $1,065,500, Emigration Canyon is 103% higher than the Salt Lake County median.
The typical home in Emigration Canyon was built around 1991. About 17% of homes were built before 1960, about 2 points below Salt Lake County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Emigration Canyon is 97% single-family homes and 1% mobile or manufactured homes.
About 50% of owner-occupied homes in Emigration Canyon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Emigration Canyon are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Emigration Canyon, 87% of homes are primarily heated with natural gas.
FEMA rates Salt Lake County's overall risk as Relatively High, led by earthquake (Relatively High). 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 | $1,065,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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
- Millcreek
- Bountiful
- Holladay
- Salt Lake City
- South Salt Lake
- North Salt Lake
- Woods Cross
- West Bountiful
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)