Home Insurance in Washington County, Utah
Homes in Washington County carry a median value of $510,700 - close to the Utah median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Washington County was built around 2003. About 3% of homes were built before 1960, about 12 points below Utah's 15%.
In Washington County, the housing stock is 82% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Washington County are owner-occupied.
Most homes in Washington County - 58% - are primarily heated with natural gas.
The top hazards for Washington County, per FEMA's National Risk Index, are wildfire (Relatively High), inland flooding (Relatively High) and earthquake (Relatively 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, Washington County has 287 active NFIP flood policies on file.
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 | $510,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 287 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Apple Valley
- Enterprise
- Hildale
- Ivins
- La Verkin
- New Harmony
- Rockville
- Santa Clara
- Springdale
- St. George
- Toquerville
- Virgin
- Washington
Smaller communities
-
Hurricane
- Median home value: $456,000
- Median year built: 2003
- Owner-occupied share: 75%
-
Leeds
- Median home value: $480,600
- Median year built: 1992
- Owner-occupied share: 80%
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)