Home Insurance in Wright, Wyoming
The median home value in Wright is $221,800, 21% lower than the Campbell County median.
The typical home in Wright was built around 1986. About 0% of homes were built before 1960, about 4 points below Campbell County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wright is 56% single-family homes, 5% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Wright carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Wright are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wright, 48% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Wright? 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.
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 | $221,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)