Home Insurance in Vernon, Utah
Homes in Vernon carry a median value of $350,000 - 19% lower than the Tooele County median.
The typical home in Vernon was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 22 points above Tooele County's 13%.
In Vernon, the housing stock is 87% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Vernon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vernon has an owner-occupancy rate of 84% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Vernon, 40% of homes are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $350,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)