Homeowners Insurance in Evanston, WY

For a home at Evanston's median value of $280,900, we estimate about $1,530 a year — −17% versus the Wyoming NAIC average of $1,853.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Evanston

Est. premium

$1,530

$128/mo · median home

Median home value

$280,900

Wyoming: $309,700

Median year built

1983

Census ACS

Owner-occupied

71.3%

of households

Hazard score

46.6

state ref. 64.7

Evanston's estimate reflects its home values (9% lower than the state median) and FEMA's hazard profile for Uinta County.

Natural hazard risk in Evanston

FEMA National Risk Index — Uinta County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	7.3	Comprehensive (car); roof claims (home)
Tornado	Very Low	10.4	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very Low	34.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	20.5	Comprehensive; dwelling
Winter weather	Relatively High	86.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	83.5	Comprehensive; dwelling
Earthquake	Relatively Low	64.2	Home needs a separate earthquake policy
Lightning	Relatively Moderate	66.9	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 Evanston

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,165	$1,070
$300,000	$1,610	$1,480
$500,000	$2,425	$2,230
$750,000	$3,355	$3,085

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance in Wyoming · Car insurance in Evanston · Insurance offices near Evanston

Frequently asked questions

How much is homeowners insurance in Evanston?

For a home at Evanston's median value of $280,900, we estimate about $1,530 a year for a standard HO-3 policy with a $1,000 deductible. The Wyoming NAIC average is $1,853.

What are the biggest natural hazards in Evanston?

FEMA's National Risk Index rates Uinta County relatively high or very high for winter weather.

Does the age of homes in Evanston affect insurance?

Yes. The median home in Evanston was built in 1983 (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 Wyoming, 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 Uinta County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page