Home Insurance in Herriman, Utah
Homes in Herriman carry a median value of $590,700 - 12% higher than the Salt Lake County median.
The typical home in Herriman was built around 2013. About 2% of homes were built before 1960, about 16 points below Salt Lake County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Herriman is 82% single-family homes and 16% apartments in buildings with 5+ units.
About 82% of owner-occupied homes in Herriman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Herriman has an owner-occupancy rate of 79% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Herriman, 85% 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 | $590,700 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 79% |
| 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)