Home Insurance in Charleston, Utah
The median home value in Charleston is $712,100, 10% lower than the Wasatch County median.
The typical home in Charleston was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 13 points above Wasatch County's 9%.
In Charleston, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 47% of owner-occupied homes in Charleston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Charleston are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Charleston are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wasatch County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Wasatch County had 111 active NFIP flood policies as of September 2026. See the full Wasatch County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Utah, the statewide average premium for a standard HO-3 homeowners policy is $1,107 per year (NAIC, 2023 data).
Key figures
| Median home value | $712,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Wasatch County | 111 |
| 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)