Home Insurance in Ephraim, Utah
The median home value in Ephraim is $423,700, 22% higher than the Sanpete County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ephraim was built around 1996. About 16% of homes were built before 1960, about 12 points below Sanpete County's 29%.
Housing in Ephraim breaks down to 66% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Ephraim have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Ephraim are owner-occupied.
In Ephraim, 85% of homes are primarily heated with natural gas.
Sanpete County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Sanpete County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $423,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sanpete County | 93 |
| 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)