ZIP 82842 Insurance Data

Data Snapshot: ZIP 82842 (Story, WY)

ZIP 82842 (Story, WY) shows an average homeowners insurance premium of $2,098 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 22 reported policies. That is 18% above the national average of $1,776 per year, placing this ZIP in the 79th percentile nationally. Compared to the Wyoming state average of $1,902, this ZIP runs 10% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 82842 is 24.4%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.64%, and the average claim severity (amount paid per claim) is $11,035.

Across 5 years (2018–2022), premiums in ZIP 82842 have risen by 10.7%, ranging from $1,865 to $2,098 with a five-year average of $1,958 — an annualized rate of +2.6% 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.