Home Insurance in Kirby, Wyoming
Homes in Kirby carry a median value of $95,000 - 58% lower than the Hot Springs County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kirby was built around 1971. About 45% of homes were built before 1960, about 14 points above Hot Springs County's 30%.
The housing stock in Kirby is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Kirby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Kirby are owner-occupied.
Most homes in Kirby - 79% - 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 Kirby? FEMA's National Risk Index points to wildfire (Relatively Low) in Hot Springs County and 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.
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 | $95,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)