ZIP 82442 Insurance Data

Data Snapshot: ZIP 82442 (Ten Sleep, WY)

ZIP 82442 (Ten Sleep, WY) shows an average homeowners insurance premium of $1,695 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 5% below the national average of $1,776 per year, placing this ZIP in the 60th percentile nationally. Compared to the Wyoming state average of $1,902, this ZIP runs 11% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 82442 is 9.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.98%, and the average claim severity (amount paid per claim) is $5,125.

Across 5 years (2018–2022), premiums in ZIP 82442 have risen by 6.0%, ranging from $1,574 to $1,695 with a five-year average of $1,632 — an annualized rate of +1.5% 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.