Home Insurance in Grantsville, Utah
Homes in Grantsville carry a median value of $488,200 - 13% higher than the Tooele County median.
The typical home in Grantsville was built around 1999. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 1 point above Tooele County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grantsville is 85% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
76% of owner-occupied homes in Grantsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grantsville has an owner-occupancy rate of 85% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Grantsville, 73% of homes are primarily heated with natural gas.
Tooele County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Tooele County had 48 active NFIP flood policies as of September 2026. See the full Tooele County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $488,200 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)