Home Insurance in Encampment, Wyoming
The median home value in Encampment is $231,900, close to the Carbon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Encampment was built around 1973. About 32% of homes were built before 1960, about 3 points below Carbon County's 35%.
The housing stock in Encampment is 69% single-family homes, 4% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Encampment have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Encampment has an owner-occupancy rate of 89% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Encampment are primarily heated with propane.
Carbon County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Carbon County had 78 active NFIP flood policies as of September 2026. See the full Carbon 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 | $231,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Carbon County | 78 |
| 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)