Home Insurance in Naples, Utah
The median home value in Naples is $304,800, close to the Uintah County median.
The typical home in Naples was built around 1999. About 8% of homes were built before 1960, about 2 points below Uintah County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Naples is 84% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Naples, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Naples are owner-occupied.
Most homes in Naples - 71% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Uintah County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Uintah County had 57 active NFIP flood policies as of September 2026. See the full Uintah County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $304,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Uintah County | 57 |
| 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)