Home Insurance in Cowley, Wyoming
The median home value in Cowley is $232,300, 7% higher than the Big Horn County median.
The typical home in Cowley was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 20 points below Big Horn County's 44%.
The housing stock in Cowley is 93% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cowley, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Cowley are owner-occupied.
In Cowley, 87% of homes are primarily heated with natural gas.
Big Horn County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Wyoming is $1,853 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $232,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)