Home Insurance in Henefer, Utah
Homes in Henefer carry a median value of $440,200 - 59% lower than the Summit County median.
The typical home in Henefer was built around 1992. About 21% of homes were built before 1960, about 17 points above Summit County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Henefer, the housing stock is 88% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
58% of owner-occupied homes in Henefer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Henefer has an owner-occupancy rate of 82% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Henefer, 80% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Summit County had 273 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Summit County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $440,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Summit County | 273 |
| 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)