Home Insurance in Kearns, Utah
With a median home value of $373,700, Kearns is 29% lower than the Salt Lake County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kearns was built around 1977. About 26% of homes were built before 1960, about 8 points above Salt Lake County's 18%.
Housing in Kearns breaks down to 93% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Kearns, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Kearns are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kearns - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kearns? 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.
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 | $373,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)