Homeowners Insurance in Gillette, WY

For a home at Gillette's median value of $264,500, we estimate about $1,650 a year — −11% 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 Gillette

Est. premium

$1,650

$138/mo · median home

Median home value

$264,500

Wyoming: $309,700

Median year built

1991

Census ACS

Owner-occupied

73.2%

of households

Hazard score

66.2

state ref. 64.7

Gillette's estimate reflects its home values (15% lower than the state median) and FEMA's hazard profile for Campbell County.

Natural hazard risk in Gillette

FEMA National Risk Index — Campbell County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	94.4	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	46.3	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	40.2	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	31.5	Comprehensive; dwelling
Winter weather	Relatively High	89.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	92.9	Comprehensive; dwelling
Earthquake	Relatively Low	72.3	Home needs a separate earthquake policy
Lightning	Relatively Moderate	62.5	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 Gillette

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,320	$1,210
$300,000	$1,820	$1,675
$500,000	$2,740	$2,525
$750,000	$3,795	$3,490

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Gillette

ZIP	Median home value	Owner-occupied	Est. premium
82718	$309,000	78.7%	$1,865
82716	$235,500	72.5%	$1,500

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

Frequently asked questions

How much is homeowners insurance in Gillette?

For a home at Gillette's median value of $264,500, we estimate about $1,650 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 Gillette?

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

Does the age of homes in Gillette affect insurance?

Yes. The median home in Gillette was built in 1991 (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 Campbell County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page