ZIP 82720 Insurance Data

Data Snapshot: ZIP 82720 (Hulett, WY)

ZIP 82720 (Hulett, WY) shows an average homeowners insurance premium of $1,970 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 11% above the national average of $1,776 per year, placing this ZIP in the 74th percentile nationally. Compared to the Wyoming state average of $1,902, this ZIP runs 4% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 82720 is 38.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 6.72%, and the average claim severity (amount paid per claim) is $11,159.

Across 5 years (2018–2022), premiums in ZIP 82720 have risen by 11.2%, ranging from $1,723 to $1,970 with a five-year average of $1,823 — an annualized rate of +2.7% 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.