Home Insurance in Rockville, Utah
With a median home value of $492,400, Rockville is close to the Washington County median.
The typical home in Rockville was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 13 points above 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 Rockville is 96% single-family homes and 4% mobile or manufactured homes.
About 29% of owner-occupied homes in Rockville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockville has an owner-occupancy rate of 76% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Rockville - 51% - 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.
What's the biggest home insurance risk near Rockville? FEMA's National Risk Index points to wildfire (Relatively High) in Washington County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $492,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)