Home Insurance in Hulett, Wyoming
Homes in Hulett carry a median value of $185,300 - 35% lower than the Crook County median.
The typical home in Hulett was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, in line with Crook County (15%).
In Hulett, the housing stock is 63% single-family homes, 4% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Hulett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hulett has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hulett, 40% of homes are primarily heated with propane.
Crook County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Crook County had 6 active NFIP flood policies as of September 2026. See the full Crook 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 | $185,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Crook County | 6 |
| 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)