Home Insurance in Tooele County, Utah
The median home value in Tooele County is $431,600, 12% lower than the Utah median.
The typical home in Tooele County was built around 1998. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 2 points below Utah's 15%.
The housing stock in Tooele County is 84% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tooele County, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Tooele County are owner-occupied.
77% of homes in Tooele County are primarily heated with natural gas.
The top hazards for Tooele County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Tooele County has 48 active NFIP flood policies on file.
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 | $431,600 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
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)