Home Insurance in Midvale, Utah
Homes in Midvale carry a median value of $436,600 - 17% 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 Midvale was built around 1987. About 16% of homes were built before 1960, about 2 points below Salt Lake County's 18%.
The housing stock in Midvale is 50% single-family homes, 41% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Midvale, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Midvale has an owner-occupancy rate of 43% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
77% of homes in Midvale are primarily heated with natural gas.
Salt Lake County had 1,166 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
In Utah, the statewide average premium for a standard HO-3 homeowners policy is $1,107 per year (NAIC, 2023 data).
Key figures
| Median home value | $436,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)