Home Insurance in Elk Ridge, Utah
With a median home value of $614,800, Elk Ridge is 14% higher than the Utah County median.
The typical home in Elk Ridge was built around 2012. About 0% of homes were built before 1960, about 10 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 Elk Ridge breaks down to 100% single-family homes.
76% of owner-occupied homes in Elk Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Elk Ridge are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Elk Ridge are primarily heated with natural gas.
FEMA rates Utah County's overall risk as Relatively High, led by wildfire (Relatively High). 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 | $614,800 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)