Home Insurance in Annabella, Utah
Homes in Annabella carry a median value of $355,700 - 14% higher than the Sevier County median.
The typical home in Annabella was built around 1992. About 7% of homes were built before 1960, about 25 points below Sevier County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Annabella is 91% single-family homes and 9% mobile or manufactured homes.
57% of owner-occupied homes in Annabella carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Annabella are owner-occupied.
Most homes in Annabella - 90% - are primarily heated with natural gas.
Sevier County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Sevier County had 81 active NFIP flood policies as of September 2026. See the full Sevier County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $355,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Sevier County | 81 |
| 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)