Home Insurance in Bicknell, Utah
With a median home value of $370,800, Bicknell is 10% lower than the Wayne County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bicknell was built around 1973. About 42% of homes were built before 1960, about 20 points above Wayne County's 21%.
The housing stock in Bicknell is 84% single-family homes and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Bicknell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bicknell has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bicknell, 41% of homes are primarily heated with electricity.
Wayne County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Wayne County has no active NFIP flood policies on file. See the full Wayne 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 | $370,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)