Home Insurance in Santaquin, Utah
The median home value in Santaquin is $465,100, 14% lower than the Utah County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Santaquin was built around 2009. About 5% of homes were built before 1960, about 5 points below Utah County's 10%.
In Santaquin, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 80% of owner-occupied homes in Santaquin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Santaquin has an owner-occupancy rate of 90% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
89% of homes in Santaquin are primarily heated with natural gas.
What's the biggest home insurance risk near Santaquin? 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.
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 | $465,100 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)