Home Insurance in South Salt Lake, Utah
With a median home value of $410,200, South Salt Lake is 22% lower than the Salt Lake County median.
The typical home in South Salt Lake was built around 1986. About 27% of homes were built before 1960, about 9 points above Salt Lake County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In South Salt Lake, the housing stock is 42% single-family homes, 41% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in South Salt Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in South Salt Lake are owner-occupied.
74% of homes in South Salt Lake are primarily heated with natural gas.
What's the biggest home insurance risk near South Salt Lake? 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.
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 | $410,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)