Home Insurance in Virgin, Utah
Homes in Virgin carry a median value of $585,900 - 15% higher than the Washington County median.
The typical home in Virgin was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 1 point 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 Virgin is 80% single-family homes and 15% mobile or manufactured homes.
About 46% of owner-occupied homes in Virgin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Virgin are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Virgin, 29% of homes are primarily heated with electricity.
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.
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 | $585,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)