Home Insurance in Washington Terrace, Utah
With a median home value of $353,900, Washington Terrace is 17% lower than the Weber County median.
The typical home in Washington Terrace was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 14 points above Weber County's 24%.
In Washington Terrace, the housing stock is 74% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Washington Terrace carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Washington Terrace are owner-occupied.
Most homes in Washington Terrace - 84% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $353,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)