Home Insurance in Wasatch County, Utah
The median home value in Wasatch County is $787,300, 61% higher than the Utah median.
The typical home in Wasatch County was built around 2005. About 9% of homes were built before 1960, about 6 points below Utah's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wasatch County, the housing stock is 88% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Wasatch County, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wasatch County has an owner-occupancy rate of 80% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
79% of homes in Wasatch County are primarily heated with natural gas.
The top hazards for Wasatch County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively High) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Wasatch County has 111 active NFIP flood policies on file.
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 | $787,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)