Home Insurance in Torrington, Wyoming
Homes in Torrington carry a median value of $197,500 - 18% 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 Torrington was built around 1966. About 41% of homes were built before 1960, about 2 points above Goshen County's 38%.
The housing stock in Torrington is 76% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Torrington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Torrington are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Torrington, 75% of homes are primarily heated with natural gas.
Goshen County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $197,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)