Home Insurance in Apple Valley, Utah
Homes in Apple Valley carry a median value of $457,800 - 10% lower than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Apple Valley was built around 2003. About 2% of homes were built before 1960, about 1 point below Washington County's 3%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Apple Valley is 89% single-family homes and 8% mobile or manufactured homes.
71% of owner-occupied homes in Apple Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in Apple Valley are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Apple Valley - 52% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Washington County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Washington County had 287 active NFIP flood policies as of September 2026. See the full Washington 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 | $457,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Washington County | 287 |
| 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)