Home Insurance in Carbon County, Wyoming
The median home value in Carbon County is $222,700, 28% lower than the Wyoming median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Carbon County was built around 1973. About 35% of homes were built before 1960, about 12 points above Wyoming's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carbon County is 73% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
47% of owner-occupied homes in Carbon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Carbon County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carbon County, 63% of homes are primarily heated with natural gas.
The top hazards for Carbon County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Carbon County has 78 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Wyoming, the statewide average premium for a standard HO-3 homeowners policy is $1,853 per year (NAIC, 2023 data).
Key figures
| Median home value | $222,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 78 |
| 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)