Home Insurance in American Fork, Utah
Homes in American Fork carry a median value of $496,700 - 8% lower than the Utah County median.
The typical home in American Fork was built around 1998. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 4 points above Utah County's 10%.
The housing stock in American Fork is 73% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In American Fork, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
American Fork has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
82% of homes in American Fork are primarily heated with natural gas.
Utah County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Utah County had 753 active NFIP flood policies as of September 2026. See the full Utah 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 | $496,700 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Utah County | 753 |
| 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)