Home Insurance in Pavillion, Wyoming
With a median home value of $125,000, Pavillion is 53% lower than the Fremont County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pavillion was built around 1976. About 22% of homes were built before 1960, in line with Fremont County (22%).
The housing stock in Pavillion is 50% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pavillion, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Pavillion are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Pavillion are primarily heated with natural gas.
Fremont County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Fremont County had 44 active NFIP flood policies as of September 2026. See the full Fremont 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 | $125,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Fremont County | 44 |
| 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)