Home Insurance in Mayfield, Utah
The median home value in Mayfield is $316,000, 9% lower 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 Mayfield was built around 1977. About 41% of homes were built before 1960, about 12 points above Sanpete County's 29%.
In Mayfield, the housing stock is 100% single-family homes.
55% of owner-occupied homes in Mayfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in Mayfield are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Mayfield 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.
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.
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 | $316,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)