Home Insurance in San Juan County, Utah
The median home value in San Juan County is $224,200, 54% lower than the Utah median.
The typical home in San Juan County was built around 1986. About 13% of homes were built before 1960, about 2 points below Utah's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In San Juan County, the housing stock is 77% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in San Juan County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
San Juan County has an owner-occupancy rate of 81% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In San Juan County, 33% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, San Juan County's top hazards are winter weather (Relatively Moderate), wildfire (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
San Juan County had 4 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $224,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)