Home Insurance in Vineyard, Utah
Homes in Vineyard carry a median value of $574,500 - 7% higher 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 Vineyard was built around 2015. About 0% of homes were built before 1960, about 9 points below Utah County's 10%.
Housing in Vineyard breaks down to 54% single-family homes and 39% apartments in buildings with 5+ units.
In Vineyard, about 88% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Vineyard has an owner-occupancy rate of 45% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Vineyard - 68% - are primarily heated with natural gas.
What's the biggest home insurance risk near Vineyard? 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 | $574,500 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)