Home Insurance in Joseph, Utah
The median home value in Joseph is $242,500, 22% lower than the Sevier County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Joseph was built around 1982. About 33% of homes were built before 1960, about 1 point above Sevier County's 32%.
In Joseph, the housing stock is 90% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Joseph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Joseph are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Joseph are primarily heated with natural gas.
Sevier County had 81 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $242,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)