ZIP 82212 Insurance Data

Data Snapshot: ZIP 82212 (Fort Laramie, WY)

ZIP 82212 (Fort Laramie, WY) shows an average homeowners insurance premium of $2,194 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 24% above the national average of $1,776 per year, placing this ZIP in the 82th percentile nationally. Compared to the Wyoming state average of $1,902, this ZIP runs 15% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 82212 is 40.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.96%, and the average claim severity (amount paid per claim) is $22,394. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.99% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 82212 have risen by 16.0%, ranging from $1,824 to $2,194 with a five-year average of $1,996 — an annualized rate of +3.8% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.