Homeowners Insurance in Green River, WY
For a home at Green River's median value of $263,400, we estimate about $1,435 a year — −23% versus the Wyoming NAIC average of $1,853.
Estimated homeowners insurance cost in Green River
Green River's estimate reflects its home values (15% lower than the state median) and FEMA's hazard profile for Sweetwater County.
Natural hazard risk in Green River
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 14.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 9.4 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 52.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 10.2 | Comprehensive; dwelling | |
| Winter weather | 85.6 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 66.2 | Comprehensive; dwelling | |
| Earthquake | 65.6 | Home needs a separate earthquake policy | |
| Lightning | 55.9 | 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 Green River
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,150 | $1,060 |
| $300,000 | $1,595 | $1,465 |
| $500,000 | $2,395 | $2,205 |
| $750,000 | $3,315 | $3,050 |
Home Insurance Estimator
Homeowners insurance in Wyoming · Car insurance in Green River · Insurance offices near Green River
Frequently asked questions
How much is homeowners insurance in Green River?
For a home at Green River's median value of $263,400, we estimate about $1,435 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 Green River?
FEMA's National Risk Index rates Sweetwater County relatively high or very high for winter weather.
Does the age of homes in Green River affect insurance?
Yes. The median home in Green River was built in 1977 (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 Sweetwater County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Sweetwater County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)