Homeowners Insurance in Wyoming

The average Wyoming homeowners premium is $1,853 a year (NAIC) — ▲ +7% versus the U.S. average of $1,737, ranking 14th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Wyoming

Homeowners (HO-3)

$1,853

NAIC average / year

Renters (HO-4)

$141

U.S. $173

Median home value

$309,700

Census ACS

FEMA expected loss rating

Very Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Wyoming's median home value of $309,700 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Wyoming

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Relatively Low	41.5	$11,641,444
Tornado	Relatively Low	35.9	$15,120,013
Hurricane	Not rated	—	—
Inland (river) flooding	Relatively Low	12.5	$146,694,824
Coastal flooding	Not rated	—	—
Wildfire	Relatively Low	66.7	$24,164,816
Earthquake	Very Low	33.9	$24,495,139
Winter weather	Relatively Moderate	46.4	$6,633,545
Strong wind	Relatively Low	13.2	$3,890,523
Lightning	Relatively Low	30.8	$13,368,281

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Rock Springs ($1,405) and the highest in Cheyenne ($2,185).

City	Median home value	Median year built	Hail / wind	Est. premium
Cheyenne	$333,700	1976	Relatively Moderate / Relatively Moderate	$2,185
Casper	$260,400	1975	Relatively Low / Very Low	$1,590
Gillette	$264,500	1991	Relatively High / Relatively Low	$1,650
Laramie	$319,500	1977	Relatively Low / Relatively Low	$1,835
Rock Springs	$256,200	1981	Very Low / Very Low	$1,405
Sheridan	$340,600	1978	Relatively Low / Very Low	$1,965
Evanston	$280,900	1983	Very Low / Relatively Low	$1,530
Green River	$263,400	1977	Very Low / Very Low	$1,435

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Frequently asked questions

How much is homeowners insurance in Wyoming?

NAIC data puts the average Wyoming homeowners (HO-3) premium at $1,853 a year, ranking 14th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Wyoming?

The NAIC average renters (HO-4) premium in Wyoming is $141 a year.

What natural hazards affect home insurance in Wyoming?

FEMA's National Risk Index does not rate any single hazard in Wyoming as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in Wyoming?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page