Home Insurance in Santa Clara, Utah
Homes in Santa Clara carry a median value of $558,100 - 9% higher 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 Santa Clara was built around 2004. About 2% of homes were built before 1960, in line with Washington County (3%).
In Santa Clara, the housing stock is 90% single-family homes and 3% apartments in buildings with 5+ units.
72% of owner-occupied homes in Santa Clara carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Santa Clara are owner-occupied.
61% of homes in Santa Clara are primarily heated with natural gas.
Washington County had 287 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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 | $558,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)