Home Insurance in Genola, Utah
Homes in Genola carry a median value of $638,300 - 18% higher than the Utah County median.
The typical home in Genola was built around 1997. About 14% of homes were built before 1960, about 4 points above Utah County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Genola is 95% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Genola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Genola are owner-occupied.
Most homes in Genola - 61% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $638,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)