Homeowners Insurance in Orem, UT
For a home at Orem's median value of $472,300, we estimate about $1,115 a year — +1% versus the Utah NAIC average of $1,107.
Estimated homeowners insurance cost in Orem
Orem's estimate reflects its home values (3% lower than the state median) and FEMA's hazard profile for Utah County.
Natural hazard risk in Orem
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 31.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 52.6 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.9 | Comprehensive; dwelling | |
| Winter weather | 93.8 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 98.9 | Comprehensive; dwelling | |
| Earthquake | 98.8 | Home needs a separate earthquake policy | |
| Lightning | 99.1 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Orem
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $560 | $515 |
| $300,000 | $775 | $715 |
| $500,000 | $1,165 | $1,075 |
| $750,000 | $1,615 | $1,485 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Orem
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 84057 | $440,200 | 63.0% | $1,055 |
| 84058 | $472,400 | 42.1% | $1,115 |
| 84097 | $556,300 | 71.0% | $1,270 |
Homeowners insurance in Utah · Car insurance in Orem · Insurance offices near Orem
Frequently asked questions
How much is homeowners insurance in Orem?
For a home at Orem's median value of $472,300, we estimate about $1,115 a year for a standard HO-3 policy with a $1,000 deductible. The Utah NAIC average is $1,107.
What are the biggest natural hazards in Orem?
FEMA's National Risk Index rates Utah County relatively high or very high for strong wind, winter weather, wildfire, earthquake, and lightning.
Does the age of homes in Orem affect insurance?
Yes. The median home in Orem was built in 1989 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Utah, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Utah County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Utah County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)