Homeowners insurance in Wyoming: premium by ZIP code
Wyoming's median ZIP code paid $1,667 per policy in 2022; Jackson's 83025 paid $11,196, and Laramie County rose +18.3%.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Wyoming (median ZIP code)
$1,667
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,220.
| Change from 2018 to 2022, after inflation | +7.0% |
| Premium per policy in 2018 | $1,558 |
| Premium per policy in 2022 | $1,667 |
| 2022 premium carried to September 2026 (BLS index) | $2,220 |
| Policies not renewed by the insurer, 2022 | 0.56% |
| Claims paid per 100 policies, yearly average | 4.3 |
| Average claim paid, 2018 to 2022 (adjusted) | $17,906 |
| Cancelled for nonpayment, 2022 | 1.16% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 83 ZIP codes in 23 counties of Wyoming in the Treasury file · not a quote
Only 83 Wyoming ZIP codes reach the Treasury file's threshold, and their median premium per homeowners policy was $1,667 in 2022, ranked 21 of 51 and above the national $1,551, after a rise of +8.5% after inflation. Laramie County, Cheyenne, stands out: $2,395 after a rise of +18.3%, with hail on the high plains the reason. Natrona County, Casper, paid $1,637. The dearest ZIP codes were in Teton County, 83025, Jackson, at $11,196 and 83014 at $6,186, where house values are among the highest in the country. Paid claims fell every year, from 4.6 per 100 policies in 2018 to 3.1 in 2022, but were large, $17,906 on average. Nonrenewals peaked at 1.10% in 2021. Wyoming has no FAIR plan for homes. The data stop in 2022.
Cheyenne and the high plains
Laramie County had 6 ZIP codes in the file and a median of $2,395 in 2022, well above the state median and far above Natrona County's $1,637. Cheyenne is one of the most hail-prone cities in the country, and many policies there carry a percentage wind and hail deductible and settle older roofs at actual cash value. The roof claim calculator shows what that means on a claim.
A Cheyenne hail claim on a 10-year roof
Example, not your result yet· change a figure to see yours
Actual cash value settlement
$6,000
| Value left in the roof | 60% |
| Depreciated roof value before deductible | $9,000 |
| Replacement cost before deductible | $15,000 |
Jackson Hole
ZIP 83025 paid $11,196 per policy and 83014 $6,186: very large houses, many of them second homes, with high dwelling limits and wildfire exposure. Remote sites and a short building season make rebuilding expensive, and the dwelling coverage page explains why a limit set on the purchase price can fall short.
The rest of Wyoming
Carbon County, Rawlins, paid $1,366 and Lincoln County, Star Valley and Kemmerer, $1,499. The cheapest ZIP codes were 82901 in Sweetwater County, Rock Springs, at $986 and 83101 in Lincoln County at $1,013. Much of rural Wyoming has too few insurers or policies to appear in the file, and manufactured homes, common there, are insured on other forms. Ranch houses far from a fire station are rated for that distance, which can weigh more on the premium than the weather.
Claims, renewals and the regulator
Paid claims went 4.6, 4.4, 3.9, 3.5, 3.1 per 100 policies from 2018 to 2022, falling each year, and the paid loss ratio 38%, 44%, 35%, 39%, 30%. The average claim, $17,906, ranked 10 of 51. The median nonrenewal rate went 0.63%, 0.85%, 0.99%, 1.10%, 0.56%. Wyoming has no residual market plan for homes listed in the Treasury report. The Wyoming Department of Insurance handles complaints. Winter pipe freezes in vacant homes are a common claim; many policies limit them unless heat is maintained. With claims this large, a limit that matches the cost to rebuild matters more than the deductible.
Wyoming, year by year
| Year | Wyoming median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,558 | $1,445 | 0.63% | 4.6 | 38% |
| 2019 | $1,559 | $1,469 | 0.85% | 4.4 | 44% |
| 2020 | $1,562 | $1,491 | 0.99% | 3.9 | 35% |
| 2021 | $1,652 | $1,521 | 1.10% | 3.5 | 39% |
| 2022 | $1,667 | $1,551 | 0.56% | 3.1 | 30% |
The Wyoming counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Carbon County | 7 | $1,261 | $1,366 | +5.2% | 0.59% | $15,144 |
| Lincoln County | 7 | $1,369 | $1,499 | +9.1% | 0.60% | $31,940 |
| Laramie County | 6 | $1,971 | $2,395 | +18.3% | 0.37% | $19,063 |
| Natrona County | 6 | $1,583 | $1,637 | +5.0% | 0.55% | $14,422 |
| Sheridan County | 6 | $1,750 | $1,882 | +9.9% | 0.34% | $17,154 |
| Fremont County | 5 | $1,310 | $1,259 | -0.4% | 0.82% | $14,206 |
| Sublette County | 5 | $1,530 | $1,411 | -3.7% | 0.60% | $26,717 |
| Big Horn County | 4 | $1,223 | $1,365 | +11.5% | 0.60% | $23,512 |
Highest and lowest premiums per policy, Wyoming ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 83025 | Teton County | $11,196 | +28.4% | 3.48% |
| 83014 | Teton County | $6,186 | +19.3% | 2.30% |
| 83001 | Teton County | $4,703 | +22.4% | 1.09% |
| 83414 | Teton County | $3,206 | +24.3% | 0.55% |
| 82054 | Laramie County | $2,785 | +24.5% | 0.61% |
| 82901 | Sweetwater County | $986 | +5.8% | 0.83% |
| 83101 | Lincoln County | $1,013 | +8.1% | 0.70% |
| 82935 | Sweetwater County | $1,020 | +0.8% | 0.71% |
| 82520 | Fremont County | $1,181 | -0.4% | 0.47% |
| 82410 | Big Horn County | $1,217 | +3.3% | 0.67% |