Home Insurance in Stockton, Utah
The median home value in Stockton is $375,000, 13% lower than the Tooele County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stockton was built around 1994. About 27% of homes were built before 1960, about 14 points 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 Stockton is 92% single-family homes and 7% mobile or manufactured homes.
In Stockton, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Stockton are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Stockton are primarily heated with natural gas.
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.
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 | $375,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)