Home Insurance in Manderson, Wyoming
With a median home value of $47,300, Manderson is 78% lower than the Big Horn County median.
The typical home in Manderson was built around 1957. About 62% of homes were built before 1960, about 18 points above Big Horn County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Manderson is 64% single-family homes and 23% 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.
36% of owner-occupied homes in Manderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in Manderson are owner-occupied. The vacancy rate is 26%; 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 Manderson, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Manderson? 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 | $47,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)