Home Insurance in White City, Utah
With a median home value of $466,600, White City is 11% lower than the Salt Lake County median.
The typical home in White City was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 10 points above Salt Lake County's 18%.
Housing in White City breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
In White City, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
White City has an owner-occupancy rate of 86% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in White City - 87% - are primarily heated with natural gas.
Salt Lake County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. 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 | $466,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 86% |
| 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)