Home Insurance in LaGrange, Wyoming
With a median home value of $105,400, LaGrange is 56% lower than the Goshen County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in LaGrange was built around 1974. About 46% of homes were built before 1960, about 8 points above Goshen County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in LaGrange is 57% single-family homes, 4% apartments in buildings with 5+ units and 36% mobile or manufactured homes.
About 22% of owner-occupied homes in LaGrange have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
LaGrange has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in LaGrange - 81% - 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 LaGrange? FEMA's National Risk Index points to hail (Relatively Moderate) in Goshen County and 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.
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 | $105,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)