Home Insurance in La Verkin, Utah
Homes in La Verkin carry a median value of $393,300 - 23% lower than the Washington County median.
The typical home in La Verkin was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 3 points above Washington County's 3%.
In La Verkin, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in La Verkin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
La Verkin has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In La Verkin, 63% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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.
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 | $393,300 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)