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Home insurance & flood costs in ZIP 84121 (Salt Lake City, UT)

Plain facts for homeowners in Salt Lake City: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 84121 at a glance

Four numbers most homeowners ask about first.

$1,451
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$767
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.86%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

5.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 84121 in numbers
$14,263
average paid claim (2022)
+17%
premium change 2018–2022, after inflation
1.22%
cancelled by insurers mid-term (2022)
51
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 84121 was $1,451 in 2022, 34% above the Salt Lake County typical ZIP ($1,082) and 6% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 17% between 2018 and 2022. About 5.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.86% of policies.

Salt Lake County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 84121Salt LakeU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 84121 in 2025 cost $767, based on 51 policies, compared with $723 in 2022. About 18% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

51 policies
A zones 18%X/B/C zones 82%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Salt Lake County

The chart shows the share of homeowners policies in ZIP 84121 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Salt Lake County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Earthquake100 · Relatively High
  • Avalanche99 · Very High
  • Winter weather99 · Very High
  • Wildfire98 · Relatively High
  • Lightning94 · Relatively High

Other ZIP codes in Salt Lake County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 32; see the county page for all.

84009 South Jordan · $1,08284020 Draper · $1,63784044 Magna · $93684047 Midvale · $95384065 Riverton · $1,22584070 Sandy · $1,01084081 West Jordan · $1,04084084 West Jordan · $1,02784088 West Jordan · $1,09184092 Sandy · $1,68184093 Sandy · $1,43084094 Sandy · $1,065

Practical next steps

Simple things homeowners in ZIP 84121 can do with this information.

Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.