Home Insurance in Hot Springs County, Wyoming
Homes in Hot Springs County carry a median value of $227,500 - 27% lower than the Wyoming median.
The typical home in Hot Springs County was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 7 points above Wyoming's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hot Springs County is 72% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Hot Springs County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Hot Springs County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hot Springs County, 65% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hot Springs County, per FEMA's National Risk Index, are wildfire (Relatively Low), earthquake (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hot Springs County had 5 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $227,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,853 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)