Home Insurance in Highland, Utah
The median home value in Highland is $928,300, 72% higher than the Utah County median.
The typical home in Highland was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 9 points below Utah County's 10%.
In Highland, the housing stock is 97% single-family homes and 1% apartments in buildings with 5+ units.
69% of owner-occupied homes in Highland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Highland are owner-occupied.
88% of homes in Highland 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 | $928,300 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 92% |
| 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)