Home Insurance in Albany County, Wyoming
Homes in Albany County carry a median value of $333,000 - 8% higher than the Wyoming median.
The typical home in Albany County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 2 points above Wyoming's 23%.
In Albany County, the housing stock is 58% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Albany County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 50% of occupied homes in Albany County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Albany County, 56% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), wildfire (Relatively Low) and earthquake (Relatively Low) as the leading hazards for Albany County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Albany County has 71 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wyoming carries a statewide average premium of $1,853 per year.
Key figures
| Median home value | $333,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 71 |
| Home insurance premium | $1,853 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)