Home Insurance in Weber County, Utah
Homes in Weber County carry a median value of $426,700 - 13% lower than the Utah median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Weber County was built around 1984. About 24% of homes were built before 1960, about 9 points above Utah's 15%.
The housing stock in Weber County is 76% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Weber County, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Weber County has an owner-occupancy rate of 74% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Weber County, 83% of homes are primarily heated with natural gas.
The top hazards for Weber County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), wildfire (Relatively Moderate) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Weber County had 239 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $426,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 239 |
| Home insurance premium | $1,107 - statewide average (NAIC, 2023 data) |
Towns and cities
- Farr West
- Harrisville
- Hooper
- Huntsville
- Marriott-Slaterville
- North Ogden
- Ogden
- Plain City
- Pleasant View
- Riverdale
- Roy
- South Ogden
- Uintah
- Washington Terrace
- West Haven
Sources
- 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)