Home Insurance in Moroni, Utah
The median home value in Moroni is $283,100, 18% lower than the Sanpete County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Moroni was built around 1964. About 49% of homes were built before 1960, about 21 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 Moroni is 92% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Moroni, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Moroni are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Moroni - 83% - 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's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $283,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)