Home Insurance in Fountain Green, Utah
Homes in Fountain Green carry a median value of $372,600 - 7% 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 Fountain Green was built around 1991. About 32% of homes were built before 1960, about 3 points above Sanpete County's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fountain Green is 95% single-family homes and 5% mobile or manufactured homes.
In Fountain Green, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Fountain Green are owner-occupied.
Most homes in Fountain Green - 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.
What's the biggest home insurance risk near Fountain Green? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Sanpete County and Sanpete County had 93 active NFIP flood policies as of September 2026. 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 | $372,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)