Homeowners Insurance in Salt Lake City, UT
For a home at Salt Lake City's median value of $539,500, we estimate about $1,205 a year — +9% versus the Utah NAIC average of $1,107.
Estimated homeowners insurance cost in Salt Lake City
Salt Lake City's estimate reflects its home values (10% higher than the state median) and FEMA's hazard profile for Salt Lake County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in Salt Lake City
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 68.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 71.0 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 92.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 0.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 68.5 | Comprehensive; dwelling | |
| Winter weather | 98.7 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 98.4 | Comprehensive; dwelling | |
| Earthquake | 99.6 | Home needs a separate earthquake policy | |
| Lightning | 94.4 | 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 Salt Lake City
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $545 | $500 |
| $300,000 | $755 | $695 |
| $500,000 | $1,135 | $1,045 |
| $750,000 | $1,570 | $1,445 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Salt Lake City
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 84116 | $381,300 | 50.9% | $915 |
| 84106 | $567,900 | 61.1% | $1,255 |
| 84103 | $779,200 | 41.4% | $1,615 |
| 84105 | $686,100 | 59.3% | $1,460 |
| 84104 | $359,600 | 61.8% | $870 |
| 84108 | $838,600 | 74.6% | $1,715 |
| 84102 | $548,700 | 24.0% | $1,220 |
| 84111 | $440,200 | 21.6% | $1,025 |
| 84101 | $499,300 | 20.7% | $1,135 |
Homeowners insurance in Utah · Car insurance in Salt Lake City · Insurance offices near Salt Lake City
Frequently asked questions
How much is homeowners insurance in Salt Lake City?
For a home at Salt Lake City's median value of $539,500, we estimate about $1,205 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 Salt Lake City?
FEMA's National Risk Index rates Salt Lake County relatively high or very high for winter weather, wildfire, earthquake, and lightning.
Does the age of homes in Salt Lake City affect insurance?
Yes. The median home in Salt Lake City was built in 1965 (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 Salt Lake 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 (Salt Lake County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)