Homeowners Insurance in Wyoming
Wyoming homeowners insurance runs genuinely affordable relative to the national picture -- a statewide average of roughly $1,805-$2,396/year across sources reviewed this pass, with one source citing Wyoming running about 28% below the national average -- though this record discloses a real gap in wildfire-specific premium data for the state's most fire-exposed areas.
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Learn moreThe statewide average, and real county-level spread
This pass's research found Wyoming's average annual homeowners premium clustering between about $1,805 and $2,396, depending on the source and coverage assumptions, with a commonly cited mid-range figure around $2,075/year -- roughly 28% below one source's cited ~$2,490 national benchmark. County averages vary: Laramie County (Cheyenne) runs the highest reviewed this pass at about $2,758/year, while Uinta County runs the lowest at about $1,666/year.
Shop by carrier, not just by county
One source cited State Farm as Wyoming's cheapest major carrier, averaging around $1,724/year -- meaningfully below the statewide average cited above. As in every state, get multiple quotes for your specific address rather than relying on a statewide or even county-level average, since coverage levels, deductibles, and individual carrier risk models vary the actual quote substantially.
A real, disclosed gap: wildfire-specific pricing data
Wyoming carries real, significant wildfire risk (one source ranks it 2nd among the Lower 48 states, with 600-700 wildfires per year statewide -- see the flood-hurricane-risk topic for the full hazard picture). This record could not find a single, current, wildfire-specific premium surcharge figure isolating Wyoming's most fire-exposed forested and foothill communities (near Jackson, Sheridan, and Cody, for instance) from the statewide average cited above -- that gap is disclosed honestly rather than estimated. Anyone buying in a forested or foothill Wyoming community should get a current, address-specific quote directly and ask the insurer explicitly about wildfire-risk pricing and mitigation credits.
Key takeaways
- Wyoming's average annual homeowners premium runs roughly $1,805-$2,396 across sources, about 28% below the national average by one measure.
- County averages range from about $1,666/year (Uinta) to $2,758/year (Laramie/Cheyenne) -- shop by carrier and address, not just by county.
- This record found no reliable, isolated wildfire-specific premium figure for Wyoming's most fire-exposed communities -- confirm directly for any forested or foothill property.
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