Home Insurance in Utah County, Utah
Homes in Utah County carry a median value of $538,700 - 10% higher than the Utah median.
The typical home in Utah County was built around 2001. About 10% of homes were built before 1960, about 6 points below Utah's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Utah County is 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Utah County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Utah County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Utah County, 81% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Utah County's top hazards are wildfire (Relatively High), earthquake (Relatively High) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Utah County had 753 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $538,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Earthquake (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 753 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- American Fork
- Cedar Fort
- Cedar Hills
- Eagle Mountain
- Elk Ridge
- Fairfield
- Genola
- Goshen
- Highland
- Lehi
- Lindon
- Mapleton
- Orem
- Payson
- Pleasant Grove
- Provo
- Santaquin
- Saratoga Springs
- Spanish Fork
- Springville
- Vineyard
- Woodland Hills
Smaller communities
-
Alpine
- Median home value: $977,500
- Median year built: 1998
- Owner-occupied share: 89%
-
Salem
- Median home value: $605,700
- Median year built: 2005
- Owner-occupied share: 94%
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)