Home Insurance in Sigurd, Utah
The median home value in Sigurd is $270,300, 13% lower than the Sevier County median.
The typical home in Sigurd was built around 1970. About 46% of homes were built before 1960, about 14 points above Sevier County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sigurd is 88% single-family homes and 12% mobile or manufactured homes.
In Sigurd, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sigurd has an owner-occupancy rate of 90% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
66% of homes in Sigurd 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 Sevier County's overall risk as Very Low, led by earthquake (Relatively Low). 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.
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 | $270,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)