Home Insurance in Blanding, Utah
The median home value in Blanding is $305,800, 36% higher than the San Juan County median.
The typical home in Blanding was built around 1977. About 23% of homes were built before 1960, about 10 points above San Juan County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Blanding, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Blanding carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Blanding are owner-occupied.
Most homes in Blanding - 58% - 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.
What's the biggest home insurance risk near Blanding? FEMA's National Risk Index points to winter weather (Relatively Moderate) in San Juan County and San Juan County had 4 active NFIP flood policies as of September 2026. See the full San Juan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $305,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in San Juan County | 4 |
| 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)