Summit County, home to Park City, had the steepest rise in homeowners insurance non-renewals of any Utah county in a December 2024 report from the U.S. Senate Budget Committee. This page lays out what that report and Utah's newer wildfire laws say, using public sources only. If you have already received a non-renewal notice, start with our dropped or non-renewed page.
What the Senate report found for Summit County
The committee's staff report, Next to Fall: The Climate-Driven Insurance Crisis Is Here, and Getting Worse, compiled non-renewal data that insurers supplied for 2018 through 2023. For Summit County, it lists:
- A non-renewal rate of 0.89% in 2018 and 2.59% in 2023, a rise of 1.7 percentage points. The 2023 rate is about 2.9 times the 2018 rate (Table 1, page 32).
- A rank of 40th nationally for 2023 non-renewal rate among counties with more than 10,000 policies, and 35th for the change in that rate from 2018 to 2023 (Tables 1 and 2, pages 32 and 34; summarized on page 22).
- An annual premium figure of $3,806 for Summit County in 2023 (Table 1, page 32).
For comparison, the same report puts Utah's statewide rate at 0.72% in 2018 and 1.06% in 2023 (Table 5, page 40). Summit County's 2023 rate was more than double the statewide figure. The data covers insurers that responded to the committee and excludes condo and co-op policies, so it is not a count of every policy in the county.
For what happens after a notice arrives anywhere in Utah, see Got a non-renewal notice in Utah? What happens next.
Utah's wildfire laws and what they change for insurance
In 2025 the Legislature passed H.B. 48, Wildland Urban Interface Modifications, signed March 19, 2025. Among other things it created Utah Code Section 31A-22-1310, which applies on and after January 1, 2026:
- When an insurer decides whether a property is high risk wildland urban interface (WUI) property, it may only use the boundary in the state's wildfire risk mapping tool kept by the Utah Division of Forestry, Fire and State Lands (FFSL).
- If an insurer cancels or non-renews WUI property because of wildfire risk, the notice must include the facts behind that decision with reasonable precision.
- If an insurer raises the premium on WUI property by more than 20% because of wildfire risk, it must give you the facts behind that decision after you ask.
- A property owner in the WUI can file a complaint with the Utah Insurance Department if they believe an insurer is violating the section.
H.B. 48 also set up a fee for structures inside the high risk WUI boundary. In 2026 the Legislature passed H.B. 41, which moved the start of that county-assessed fee from January 1, 2026 to January 1, 2027 and added a process for counties to ask FFSL to change the boundary. Park City's public radio station KPCW reported that the delay gives cities and counties time to petition to add or remove properties. FFSL's community preparedness page describes the fee as based on structure square footage at first, then on lot assessment results from 2028. As of October 12, 2026, that page does not list fee amounts.
Checking where your property stands
FFSL's free Utah Wildfire Risk Assessment Portal includes a map of high risk WUI properties. Our guide on how to check your Utah home's wildfire risk walks through it. FFSL also keeps a waitlist for lot assessments on its community preparedness page.
If you are a Summit County homeowner facing a renewal
CoverageCheckin does not sell insurance or recommend policies. We can send you a reminder before your renewal date through our renewal check, or, if you were dropped, refer you to a licensed Utah agent from our non-renewal page. You can check any agent's license with the Utah Insurance Department licensee search.
General information only, not insurance advice. Ask a licensed agent about your situation.
Sources
- U.S. Senate Budget Committee staff report, Next to Fall (Dec 2024), Tables 1, 2, 5; page 22
- Utah Code 31A-22-1310, Insuring wildland urban interface property
- H.B. 48 (2025), Wildland Urban Interface Modifications
- H.B. 41 (2026), Construction and Fire Codes Amendments
- H.B. 41 enrolled copy (fee start moved to January 1, 2027, lines 148 to 149)
- KPCW, Utah delays imposing fee for wildfire mitigation program (Apr 13, 2026)
- Utah FFSL, Community Preparedness
- Utah Wildfire Risk Assessment Portal
- Utah Insurance Department, Licensee search
Disclosure
CoverageCheckin is not an insurance agency or insurance company. We do not sell, quote, or recommend insurance policies, and nothing on this site is insurance advice. We may refer you to a licensed Utah insurance agent. Any quotes, coverage advice, or policy decisions come from that agent and from you.