Home Insurance in Heber, Utah
The median home value in Heber is $654,200, 17% lower than the Wasatch County median.
The typical home in Heber was built around 2003. About 15% of homes were built before 1960, about 6 points above Wasatch County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Heber, the housing stock is 83% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Heber have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Heber has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
86% of homes in Heber are primarily heated with natural gas.
Wasatch County had 111 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Wasatch 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 | $654,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)