Home Insurance in Fort Laramie, Wyoming
Homes in Fort Laramie carry a median value of $100,000 - 58% lower than the Goshen County median.
The typical home in Fort Laramie was built around 1950. About 52% of homes were built before 1960, about 14 points above Goshen County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fort Laramie, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Fort Laramie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Fort Laramie are owner-occupied.
Most homes in Fort Laramie - 91% - are primarily heated with natural gas.
FEMA rates Goshen County's overall risk as Very Low, led by hail (Relatively Moderate). Goshen County had 129 active NFIP flood policies as of September 2026. See the full Goshen 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 | $100,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Goshen County | 129 |
| 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)