Home Insurance in Salt Lake City, Utah
Homes in Salt Lake City carry a median value of $539,500 - close to the Salt Lake County median.
The typical home in Salt Lake City was built around 1965. About 45% of homes were built before 1960, about 27 points above Salt Lake County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Salt Lake City, the housing stock is 47% single-family homes, 41% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Salt Lake City, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 46% of occupied homes in Salt Lake City are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Salt Lake City, 72% of homes 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.
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 | $539,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)