Home Insurance in Erda, Utah
Homes in Erda carry a median value of $658,800 - 53% higher than the Tooele County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Erda was built around 1997. About 3% of homes were built before 1960, about 10 points below Tooele County's 13%.
In Erda, the housing stock is 95% single-family homes and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Erda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Erda are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Erda, 77% 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.
Tooele County had 48 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Tooele 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 | $658,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Tooele County | 48 |
| 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)