Home Insurance in Saratoga, Wyoming
Homes in Saratoga carry a median value of $296,400 - 33% higher than 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 Saratoga was built around 1976. About 21% of homes were built before 1960, about 14 points below Carbon County's 35%.
In Saratoga, the housing stock is 86% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Saratoga, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Saratoga has an owner-occupancy rate of 86% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
72% of homes in Saratoga are primarily heated with natural gas.
FEMA rates Carbon County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
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 | $296,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)