Home Insurance in Fairview, Utah
With a median home value of $297,800, Fairview is 14% lower than the Sanpete County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fairview was built around 1972. About 38% of homes were built before 1960, about 10 points above Sanpete County's 29%.
In Fairview, the housing stock is 97% single-family homes and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Fairview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fairview has an owner-occupancy rate of 88% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Fairview - 81% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $297,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)