Home Insurance in Converse County, Wyoming
The median home value in Converse County is $292,700, 5% lower than the Wyoming median.
The typical home in Converse County was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 3 points below Wyoming's 23%.
The housing stock in Converse County is 72% single-family homes, 10% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Converse County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Converse County has an owner-occupancy rate of 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Converse County - 56% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Moderate), winter weather (Relatively Moderate) and earthquake (Very Low) as the leading hazards for Converse County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Converse County has 28 active NFIP flood policies on file.
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 | $292,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $1,853 - statewide average (NAIC, 2023 data) |
Towns and cities
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)