Home Insurance in Ogden, Utah
Homes in Ogden carry a median value of $355,600 - 17% lower than the Weber County median.
The typical home in Ogden was built around 1966. About 44% of homes were built before 1960, about 19 points above Weber County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ogden is 65% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Ogden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Ogden are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ogden - 80% - are primarily heated with natural gas.
Weber County had 239 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $355,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- South Ogden
- Harrisville
- Washington Terrace
- Marriott-Slaterville
- Riverdale
- West Haven
- Roy
- North Ogden
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)