Home Insurance in Kamas, Utah
With a median home value of $515,500, Kamas is 52% lower than the Summit County median.
The typical home in Kamas was built around 1997. About 22% of homes were built before 1960, about 17 points above Summit County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Kamas, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in Kamas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kamas has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
94% of homes in Kamas are primarily heated with natural gas.
Summit County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Summit County had 273 active NFIP flood policies as of September 2026. See the full Summit County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $515,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)