Homeowners Insurance in Rock Springs, WY

For a home at Rock Springs's median value of $256,200, we estimate about $1,405 a year — −24% 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 Rock Springs

Est. premium

$1,405

$117/mo · median home

Median home value

$256,200

Wyoming: $309,700

Median year built

1981

Census ACS

Owner-occupied

72.4%

of households

Hazard score

45.0

state ref. 64.7

Rock Springs's estimate reflects its home values (17% lower than the state median) and FEMA's hazard profile for Sweetwater County.

Natural hazard risk in Rock Springs

FEMA National Risk Index — Sweetwater County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	14.4	Comprehensive (car); roof claims (home)
Tornado	Very Low	9.4	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	52.5	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	10.2	Comprehensive; dwelling
Winter weather	Relatively High	85.6	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	66.2	Comprehensive; dwelling
Earthquake	Relatively Low	65.6	Home needs a separate earthquake policy
Lightning	Relatively Low	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 Rock Springs

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

Estimated annual premium

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Homeowners insurance in Wyoming · Car insurance in Rock Springs · Insurance offices near Rock Springs

Frequently asked questions

How much is homeowners insurance in Rock Springs?

For a home at Rock Springs's median value of $256,200, we estimate about $1,405 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 Rock Springs?

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

Does the age of homes in Rock Springs affect insurance?

Yes. The median home in Rock Springs was built in 1981 (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.

Sources used on this page