Home Insurance in Uintah County, Utah
Homes in Uintah County carry a median value of $298,600 - 39% lower than the Utah median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Uintah County was built around 1992. About 10% of homes were built before 1960, about 5 points below Utah's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Uintah County is 73% single-family homes, 7% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 59% of owner-occupied homes in Uintah County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Uintah County has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Uintah County - 60% - 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.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Very Low) and winter weather (Very Low) as the leading hazards for Uintah County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Uintah County has 57 active NFIP flood policies on file.
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 | $298,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)