Home Insurance in East Thermopolis, Wyoming
With a median home value of $127,800, East Thermopolis is 44% lower than the Hot Springs County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in East Thermopolis was built around 1974. About 12% of homes were built before 1960, about 19 points below Hot Springs County's 30%.
In East Thermopolis, the housing stock is 30% single-family homes, 32% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in East Thermopolis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 44% of occupied homes in East Thermopolis are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in East Thermopolis are primarily heated with natural gas.
Hot Springs County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Hot Springs County had 5 active NFIP flood policies as of September 2026. See the full Hot Springs 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 | $127,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Hot Springs County | 5 |
| 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)