Home Insurance in Fairfield, Utah
The median home value in Fairfield is $366,700, 32% lower than the Utah County median.
The typical home in Fairfield was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 8 points above Utah County's 10%.
The housing stock in Fairfield is 100% single-family homes.
72% of owner-occupied homes in Fairfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Fairfield are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Fairfield are primarily heated with propane.
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.
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 | $366,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)