Home Insurance in Pine Haven, Wyoming
With a median home value of $315,700, Pine Haven is 10% higher 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 Pine Haven was built around 2003. About 0% of homes were built before 1960, about 15 points below Crook County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pine Haven is 76% single-family homes and 23% mobile or manufactured homes.
62% of owner-occupied homes in Pine Haven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pine Haven has an owner-occupancy rate of 90% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Pine Haven, 65% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Pine Haven? FEMA's National Risk Index points to wildfire (Relatively Low) in Crook County and 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.
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 | $315,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)