Home Insurance in South Ogden, Utah
Homes in South Ogden carry a median value of $407,800 - close to the Weber County median.
The typical home in South Ogden was built around 1979. About 25% of homes were built before 1960, in line with Weber County (24%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In South Ogden, the housing stock is 74% single-family homes and 16% apartments in buildings with 5+ units.
In South Ogden, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in South 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 South Ogden, 75% of homes 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.
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 | $407,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| 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
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)