Home Insurance in Campbell County, Wyoming
Homes in Campbell County carry a median value of $279,100 - 10% lower than the Wyoming median.
The typical home in Campbell County was built around 1991. About 4% of homes were built before 1960, about 19 points below Wyoming's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Campbell County is 62% single-family homes, 11% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
61% of owner-occupied homes in Campbell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Campbell County has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Campbell County, 53% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively High), wildfire (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Campbell County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Campbell County has 21 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 | $279,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 21 |
| 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)