Flood insurance in Utah: cost by ZIP code and county
Utah has 2,779 single-family flood policies; the median bill was $658 a year on July 31, 2026.
Median single-family flood bill, Utah
$658
2,779 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $668 |
| Policies still below their full-risk price | 20 % |
| Median paid in August 2023 | $602 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $3,340 |
| Median claim paid, 2016 to 2025 (84 claims) | $6,093 |
Compiled by Radif Partners · Where the numbers come from · 128 ZIP codes and 26 counties of Utah in FEMA's tables · not a quote
Utah is one of the least expensive states for federal flood insurance. On July 31, 2026, its 2,779 single-family policies had a median yearly cost of $658, premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee included, well below the national $1,081. That is about $55 a month. The bill is also nearly settled: the full-risk median for the same homes is $668, and only 20 % of policies still pay less. Most Utah policies are in X zones, where no lender requires coverage: 1,636 of them at a median of $584, against 1,135 in A zones at $743. The claim record is short, 84 paid single-family claims in ten years with a median of $6,093, and almost all of them were on X-zone homes. Washington County, on the Arizona and Nevada borders, is the one market with a real gap to full risk.
Few policies, few claims
With 2,779 single-family policies, Utah has one of the smallest flood markets in the country. FEMA's 2023 table put 79 % of them at a full-risk cost under $1,000 a year, a much larger share than the national 37 %. The claim file is thin in the same way. Between 2016 and 2025 the federal program paid 84 claims on Utah single-family homes, and 75 of them were rated X, B or C. No single storm produced a large group of claims.
In this state, then, the paid losses came mostly from outside the mapped high-risk areas. Paid claims are small, a median of $6,093 against $42,494 nationally, and an X-zone bill of $584 a year is less than the X-zone median of $958 nationally. Still, a policy in an X zone is bought by choice and waits 30 days before it covers anything.
Where a full-risk quote sits among Utah homes
Single-family homes in Utah with a lower full-risk price
79 %
| Full-risk price under $1,000 | 79 % |
| State median full-risk price, 2023 rates | $612 |
| Price entered | $1,000 |
Salt Lake, Utah, Davis and Weber counties
Salt Lake County leads with 669 policies at a median of $569. Utah County, around Provo, paid more, $769. Davis County was the cheapest of the large counties at $426, with almost every policy at its full-risk price. Weber County, around Ogden, paid $481, and in Cache and Iron counties the medians were $741 and $647, both on small policy counts. Summit County homes paid a median of $1,016, well above those four counties.
Washington County is the exception
In the St. George area, 249 policies paid a median of $1,084, the highest median among the large Utah counties, with a full-risk median of $1,215 and 46 % of policies still capped. It also had the widest ratio of full-risk to current cost in the 2023 table. For the monthly cost of a given bill, the cost per month page splits it by month and by coverage.
The Utah counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Salt Lake County | 669 | $569 | $582 | 14 % | 1 | $568 | $4,365 |
| Utah County | 445 | $769 | $795 | 28 % | 1 | $727 | n/a |
| Davis County | 300 | $426 | $426 | 9 % | none | $415 | $5,168 |
| Weber County | 191 | $481 | $491 | 12 % | 1 | $490 | $5,998 |
| Summit County | 153 | $1,016 | $1,025 | 20 % | 1 | $781 | n/a |
| Washington County | 249 | $1,084 | $1,215 | 46 % | 1 | $794 | $8,931 |
| Cache County | 81 | $741 | $741 | 16 % | none | $671 | n/a |
| Iron County | 87 | $647 | $647 | 18 % | none | $706 | n/a |
Full-risk prices of Utah homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 4,596 | 78.8 % | $492,404 |
| $1,000 to $2,000 | 870 | 14.9 % | $555,499 |
| $2,000 to $3,000 | 183 | 3.1 % | $551,612 |
| $3,000 to $4,000 | 77 | 1.3 % | $513,900 |
| $4,000 to $5,000 | 63 | 1.1 % | $605,610 |
| $5,000 or more | 47 | 0.8 % |
The floods that paid the most Utah claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Tropical Storm Hilary | 2023 | 1 | $2,846 |