Home Insurance in Independence, Utah
With a median home value of $900,000, Independence is 14% higher than the Wasatch County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Independence was built around 1993. About 7% of homes were built before 1960, about 2 points below Wasatch County's 9%.
In Independence, the housing stock is 100% single-family homes.
In Independence, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Independence has an owner-occupancy rate of 91% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Independence, 52% of homes are primarily heated with natural gas.
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 | $900,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)