Home Insurance in Albin, Wyoming
Homes in Albin carry a median value of $163,300 - 53% lower than the Laramie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Albin was built in 1939 or earlier. About 72% of homes were built before 1960, about 47 points above Laramie County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Albin is 88% single-family homes and 5% mobile or manufactured homes.
In Albin, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Albin are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Albin, 84% of homes are primarily heated with propane.
FEMA rates Laramie County's overall risk as Relatively Low, led by winter weather (Very High). Laramie County had 249 active NFIP flood policies as of September 2026. See the full Laramie 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 | $163,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Laramie County | 249 |
| 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)