Home Insurance in Eagle Mountain, Utah
With a median home value of $518,100, Eagle Mountain is close to the Utah County median.
The typical home in Eagle Mountain was built around 2012. About 0% of homes were built before 1960, about 9 points below Utah County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Eagle Mountain breaks down to 95% single-family homes and 5% apartments in buildings with 5+ units.
87% of owner-occupied homes in Eagle Mountain carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Eagle Mountain are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Eagle Mountain - 84% - are primarily heated with natural gas.
Utah County had 753 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Utah 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 | $518,100 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 87% |
| 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)