Home Insurance in Summit County, Utah
Homes in Summit County carry a median value of $1,067,700 - 118% higher than the Utah median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Summit County was built around 1995. About 5% of homes were built before 1960, about 10 points below Utah's 15%.
The housing stock in Summit County is 71% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Summit County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Summit County has an owner-occupancy rate of 80% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
Most homes in Summit County - 84% - are primarily heated with natural gas.
The top hazards for Summit County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively High) and strong wind (Relatively Moderate).
As of September 2026, Summit County has 273 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $1,067,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 273 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)