Home Insurance in Gillette, Wyoming
Homes in Gillette carry a median value of $264,500 - 5% lower than the Campbell County median.
The typical home in Gillette was built around 1991. About 3% of homes were built before 1960, in line with Campbell County (4%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Gillette, the housing stock is 59% single-family homes, 15% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Gillette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Gillette are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gillette - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Gillette? FEMA's National Risk Index points to hail (Relatively High) in Campbell County and Campbell County had 21 active NFIP flood policies as of September 2026. See the full Campbell 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 | $264,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Campbell County | 21 |
| 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)