Home Insurance in St. George, Utah
With a median home value of $496,100, St. George is close to the Washington County median.
The typical home in St. George was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, in line with Washington County (3%).
The housing stock in St. George is 77% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
58% of owner-occupied homes in St. George carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. George has an owner-occupancy rate of 67% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In St. George, 54% of homes are primarily heated with natural gas.
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.
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 | $496,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)