Home Insurance in Byron, Wyoming
Homes in Byron carry a median value of $170,800 - 21% lower than the Big Horn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Byron was built around 1960. About 51% of homes were built before 1960, about 7 points above Big Horn County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Byron is 81% single-family homes and 16% mobile or manufactured homes.
In Byron, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Byron are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Byron - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Byron? FEMA's National Risk Index points to wildfire (Very Low) in Big Horn County and Big Horn County had 19 active NFIP flood policies as of September 2026. See the full Big Horn County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $170,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Big Horn County | 19 |
| Home insurance premium | $1,853 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)