Home Insurance in Tooele, Utah
Homes in Tooele carry a median value of $381,400 - 12% lower 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 Tooele was built around 1994. About 17% of homes were built before 1960, about 4 points above Tooele County's 13%.
The housing stock in Tooele is 81% single-family homes, 8% 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.
77% of owner-occupied homes in Tooele carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Tooele are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tooele - 83% - are primarily heated with natural gas.
FEMA rates Tooele County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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 | $381,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)