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Home insurance costs & natural hazards in Wyoming

Plain facts for Wyoming homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Wyoming at a glance

Four numbers most homeowners ask about first.

$1,667
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,174
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.56%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

0 of 23
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Wyoming in numbers
576,110
residents (2020 Census)
3.1%
of policies had a paid claim (2022, median ZIP)
$14,355
average paid claim (2022, median ZIP)
1,258
single-family NFIP flood policies (2025)

What homeowners in Wyoming pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Wyoming ZIP code saw homeowners premiums of $1,667 per policy in 2022, 7% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 7% between 2018 and 2022. The figures come from 83 Wyoming ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
WyomingU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 1,258 single-family NFIP policies took effect in Wyoming in 2025, at an average full cost of $1,174, compared with $1,009 in 2022. About 54% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

1,258 policies
A zones 54%X/B/C zones 46%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Wyoming's 23 counties FEMA rates relatively high or very high for each hazard. The most widespread are winter weather, lightning and avalanche. Open any county for its full hazard profile.

How the ratings work

Hazards across Wyoming's counties

Counties FEMA rates relatively high or very high

Wyoming counties

All 23 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Albany County: $1,719Big Horn County: $1,365Campbell County: $2,097Carbon County: $1,366Converse County: $1,962Crook County: $2,046Fremont County: $1,259Goshen County: $2,028Hot Springs County: $1,254Johnson County: $1,645Laramie County: $2,395Lincoln County: $1,499Natrona County: $1,637Niobrara County: $1,937Park County: $1,341Platte County: $2,005Sheridan County: $1,882Sublette County: $1,411Sweetwater County: $1,003Teton County: $5,445Uinta County: $1,250Washakie County: $1,564Weston County: $2,043
under $1,341$1,341–$1,564$1,564–$1,882$1,882–$2,043$2,043+
CountyPremiumFloodFEMA rating
Albany County$1,719$1,087Relatively Low
Big Horn County$1,365$1,947Very Low
Campbell County$2,097$703Relatively Low
Carbon County$1,366$1,478Very Low
Converse County$1,962$1,486Very Low
Crook County$2,046—Very Low
Fremont County$1,259$1,617Relatively Low
Goshen County$2,028$717Very Low
Hot Springs County$1,254—Very Low
Johnson County$1,645$1,376Very Low
Laramie County$2,395$827Relatively Low
Lincoln County$1,499$1,074Relatively Low
Natrona County$1,637$1,291Relatively Low
Niobrara County$1,937—Very Low
Park County$1,341$1,314Relatively Low
Platte County$2,005—Very Low
Sheridan County$1,882$1,803Relatively Low
Sublette County$1,411—Very Low
Sweetwater County$1,003$1,465Very Low
Teton County$5,445$1,123Relatively Low
Uinta County$1,250$1,373Very Low
Washakie County$1,564—Very Low
Weston County$2,043—Very Low

ZIP codes with the most flood policies

83001 Jackson82604 Casper83014 Wilson82240 Torrington82001 Cheyenne82009 Cheyenne82901 Rock Springs82007 Cheyenne82801 Sheridan82520 Lander82414 Cody82072 Laramie

Practical next steps

Simple things Wyoming homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.