Wyoming Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 85 ZIP codes in Wyoming (WY).

Homeowners in Wyoming pay an average of $1,902 per year for home insurance — 7% above the national average of $1,776. That ranks Wyoming as the 19th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 10.9%.

On five-year premium growth (2018–2022), Wyoming ranks 12th out of 51 states. Its nonrenewal rate (0.83%) ranks 40th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,902/yr

National avg: $1,776 (+7% above)

Premium Change

+10.9%

2018-2022 change

Avg Loss Ratio

38.7%

Claims paid vs premiums earned

Nonrenewal Rate

0.83%

+0.3% change

Data Snapshot: Wyoming Homeowners Insurance

Wyoming homeowners paid an average of $1,902 per year for home insurance based on U.S. Treasury FIO data covering 85 ZIP codes across the state. That is 7% above the national average of $1,776 per year reported by the Federal Insurance Office. Wyoming ranks 19th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $986 in 82901 to $11,196 in 83025.

Between 2018 and 2022, average premiums rose by 10.9% in Wyoming, placing the state 12th nationally on five-year premium growth. The state-level loss ratio averaged 38.7%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 0.83%, a climb of 0.3% over the study period (ranking 40th out of 50 states).

Within Wyoming, premium dispersion across ZIP codes is substantial: the most expensive ZIP (83025 in Teton Village) charges 1035% more than the least expensive (82901 in Rock Springs), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Wyoming

Wyoming statewide — FIO 2018-2022 average: 39% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,716	$1,535	155.9%	8.83%	0.83%
2019	$1,736 (+1.1%)	$1,554	110.2%	8.90%	1.14%
2020	$1,794 (+3.4%)	$1,562	71.4%	6.41%	1.38%
2021	$1,851 (+3.2%)	$1,652	59.4%	4.44%	1.44%
2022	$1,902 (+2.7%)	$1,667	38.7%	3.42%	0.83%

Average Premium by Year

$1,716

2018

$1,736

2019

$1,794

2020

$1,851

2021

$1,902

2022

Most Expensive ZIP Codes in Wyoming

Most Affordable ZIP Codes in Wyoming

All ZIP Codes in Wyoming

85 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
83025	Teton Village	$11,196	10.8%	3.48%	3.48%
83014	Wilson	$6,186	12.5%	2.21%	2.30%
83001	Jackson	$4,703	11.1%	1.98%	1.09%
83414	Alta	$3,206	3.8%	1.66%	0.55%
82054	Carpenter	$2,785	13.2%	1.83%	0.61%
82833	Big Horn	$2,654	11.2%	2.84%	N/A
82053	Burns	$2,538	6.0%	1.66%	N/A
82009	Cheyenne	$2,527	40.7%	6.67%	0.31%
82201	Wheatland	$2,288	29.4%	4.63%	0.99%
82082	Pine Bluffs	$2,262	12.4%	1.71%	0.34%
82727	Rozet	$2,257	29.7%	7.21%	1.25%
82212	Fort Laramie	$2,194	40.4%	3.96%	0.99%
82832	Banner	$2,174	58.0%	10.71%	0.51%
82922	Bondurant	$2,146	75.6%	0.81%	2.44%
82732	Wright	$2,125	20.4%	5.00%	0.67%
82721	Moorcroft	$2,105	38.7%	4.64%	0.62%
82633	Douglas	$2,103	26.6%	4.27%	1.35%
83128	Alpine	$2,103	2.4%	3.29%	0.60%
82842	Story	$2,098	24.4%	4.64%	N/A
82718	Gillette	$2,069	31.3%	4.94%	0.83%
82730	Upton	$2,051	41.5%	1.65%	1.65%
82729	Sundance	$2,046	89.4%	6.74%	0.36%
82701	Newcastle	$2,034	20.7%	3.73%	0.72%
82223	Lingle	$2,028	4.4%	1.47%	N/A
82007	Cheyenne	$2,014	25.7%	4.91%	0.40%
82240	Torrington	$2,009	24.2%	2.81%	0.39%
82213	Glendo	$2,005	142.0%	4.07%	0.45%
82001	Cheyenne	$2,005	29.6%	4.75%	0.44%
83120	Freedom	$1,992	0.1%	0.86%	0.86%
82720	Hulett	$1,970	38.0%	6.72%	N/A
82716	Gillette	$1,956	27.5%	4.26%	0.95%
82225	Lusk	$1,937	32.2%	4.95%	1.32%
82637	Glenrock	$1,822	24.1%	4.29%	1.14%
82214	Guernsey	$1,815	29.5%	6.67%	0.39%
82513	Dubois	$1,780	17.4%	1.63%	0.82%
82055	Centennial	$1,750	82.5%	7.87%	0.46%
82070	Laramie	$1,719	15.2%	2.45%	0.53%
82609	Casper	$1,714	40.5%	5.34%	0.56%
82442	Ten Sleep	$1,695	9.0%	2.98%	N/A
82072	Laramie	$1,692	18.7%	2.44%	0.22%
82636	Evansville	$1,688	35.8%	3.58%	0.28%
83112	Bedford	$1,675	20.0%	1.20%	0.40%
82801	Sheridan	$1,667	30.8%	3.14%	0.37%
82601	Casper	$1,654	44.9%	5.37%	0.54%
82834	Buffalo	$1,645	24.1%	2.70%	0.28%
82620	Alcova	$1,619	26.9%	5.66%	0.94%
82604	Casper	$1,611	39.8%	4.58%	0.60%
82839	Ranchester	$1,575	40.0%	4.55%	0.30%
82331	Saratoga	$1,563	29.7%	2.46%	0.53%
82836	Dayton	$1,557	41.5%	4.50%	0.64%
83127	Thayne	$1,515	18.5%	1.69%	0.37%
83118	Etna	$1,499	91.9%	1.40%	1.96%
82420	Cowley	$1,465	46.9%	1.07%	0.53%
82414	Cody	$1,464	25.0%	2.61%	0.43%
82649	Shoshoni	$1,460	53.4%	3.62%	1.45%
82401	Worland	$1,434	23.2%	4.15%	0.39%
82923	Boulder	$1,422	110.9%	3.08%	0.34%
83115	Daniel	$1,411	0.9%	0.60%	1.81%
82426	Greybull	$1,406	53.9%	3.98%	1.00%
82941	Pinedale	$1,405	24.5%	1.92%	0.50%
82324	Elk Mountain	$1,399	2.8%	2.47%	N/A
82327	Hanna	$1,392	121.8%	2.96%	0.59%
82325	Encampment	$1,366	22.0%	2.61%	0.87%
82433	Meeteetse	$1,341	89.9%	0.61%	N/A
82321	Baggs	$1,327	30.2%	3.49%	N/A
82435	Powell	$1,325	74.4%	3.19%	0.56%
82431	Lovell	$1,325	34.0%	1.67%	0.14%
82644	Mills	$1,322	12.2%	2.79%	0.51%
83110	Afton	$1,285	62.6%	1.82%	0.55%
82334	Sinclair	$1,275	212.8%	5.94%	3.96%
82933	Fort Bridger	$1,267	25.6%	0.77%	N/A
83113	Big Piney	$1,265	3.0%	0.90%	0.60%
83111	Auburn	$1,261	28.3%	N/A	0.71%
82501	Riverton	$1,259	41.3%	4.14%	0.45%
82443	Thermopolis	$1,254	54.1%	2.28%	0.80%
82939	Mountain View	$1,250	44.0%	3.74%	0.80%
82301	Rawlins	$1,247	41.9%	4.95%	0.83%
82937	Lyman	$1,245	95.6%	3.02%	0.64%
82523	Pavillion	$1,237	60.3%	2.97%	0.99%
82410	Basin	$1,217	10.1%	2.68%	0.67%
82520	Lander	$1,181	22.2%	2.36%	0.47%
82930	Evanston	$1,143	30.8%	2.72%	1.55%
82935	Green River	$1,020	46.1%	2.50%	0.71%
83101	Kemmerer	$1,013	93.5%	3.33%	0.70%
82901	Rock Springs	$986	32.5%	2.80%	0.83%

Wyoming Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Wyoming compares to other states

Related Data for Wyoming

Natural Disaster Risk

FEMA disaster & NOAA storm data for Wyoming

Wildfire Risk Data

USDA wildfire risk assessments for Wyoming

Rental Market Data

HUD fair market rents in Wyoming

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Wyoming

Climate Data

NOAA climate normals for Wyoming

Frequently Asked Questions

What is the average homeowners insurance cost in Wyoming? ▼

The average homeowners insurance premium in Wyoming is $1,902 per year, based on U.S. Treasury FIO data covering 85 ZIP codes. This is 7% above the national average of $1,776.

How have insurance premiums changed in Wyoming? ▼

Wyoming homeowners insurance premiums changed by +10.9% between 2018 and 2022. The average loss ratio is 38.7%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Wyoming? ▼

The most expensive ZIP code for homeowners insurance in Wyoming is 83025, with an average premium of $11,196/yr. The most affordable is 82901 at $986/yr.

What is the nonrenewal rate for Wyoming homeowners insurance? ▼

The average nonrenewal rate in Wyoming is 0.83%. This rate has changed by +0.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 82334 has the highest nonrenewal rate in the state at 3.96%.

What is a loss ratio and what does Wyoming's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Wyoming's average loss ratio is 38.7%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Wyoming? ▼

The average claim frequency in Wyoming is 3.42%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $23,911. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all → | Rankings →

Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

Verify with HUD → · Verify with NOAA → · Verify with FEMA →