Home Insurance in Moorcroft, Wyoming
With a median home value of $234,700, Moorcroft is 18% lower than the Crook County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Moorcroft was built around 1980. About 16% of homes were built before 1960, about 2 points above Crook County's 15%.
The housing stock in Moorcroft is 67% single-family homes and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Moorcroft have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Moorcroft are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Moorcroft, 71% of homes are primarily heated with natural gas.
FEMA rates Crook County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
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 | $234,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)