Home Insurance in Pleasant Grove, Utah
Homes in Pleasant Grove carry a median value of $491,000 - 9% lower than the Utah County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pleasant Grove was built around 1999. About 9% of homes were built before 1960, in line with Utah County (10%).
Housing in Pleasant Grove breaks down to 71% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Pleasant Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pleasant Grove has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Pleasant Grove, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pleasant Grove? FEMA's National Risk Index points to wildfire (Relatively High) in Utah County and 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 | $491,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)