HomeInsuranceQts

Home Insurance in Manti, Utah

Homes in Manti carry a median value of $310,700 - 11% 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 Manti was built around 1971. About 46% of homes were built before 1960, about 17 points above Sanpete County's 29%.

In Manti, the housing stock is 90% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Manti, about 63% 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 75% of occupied homes in Manti are owner-occupied.

91% of homes in Manti are primarily heated with natural gas.

FEMA rates Sanpete County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.

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$310,700
Median year built1971
Owner-occupied share75%
Share of owner-occupied homes with a mortgage63%
Top county hazardWildfire (Relatively Moderate)
Active NFIP policies in Sanpete County93
Home insurance premium$1,107 - statewide average (NAIC, 2023 data)
Key home insurance figures for Manti, UT

Nearby towns

Sources

Data last updated: 2026-09-29