Home Insurance in Mapleton, Utah
The median home value in Mapleton is $745,200, 38% higher than the Utah County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mapleton was built around 2005. About 8% of homes were built before 1960, about 1 point below Utah County's 10%.
Housing in Mapleton breaks down to 97% single-family homes and 1% apartments in buildings with 5+ units.
70% of owner-occupied homes in Mapleton 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 85% of occupied homes in Mapleton are owner-occupied.
In Mapleton, 93% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $745,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)