Home Insurance in North Ogden, Utah
The median home value in North Ogden is $476,600, 12% higher than the Weber County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in North Ogden was built around 1993. About 10% of homes were built before 1960, about 14 points below Weber County's 24%.
Housing in North Ogden breaks down to 92% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in North Ogden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in North Ogden are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Ogden, 89% of homes are primarily heated with natural gas.
Weber County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Weber County had 239 active NFIP flood policies as of September 2026. See the full Weber County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $476,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Weber County | 239 |
| 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)