Home Insurance in Pine Bluffs, Wyoming
With a median home value of $338,000, Pine Bluffs is close to the Laramie County median.
The typical home in Pine Bluffs was built around 1973. About 26% of homes were built before 1960, about 2 points above Laramie County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pine Bluffs, the housing stock is 91% single-family homes and 8% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Pine Bluffs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Pine Bluffs are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pine Bluffs - 83% - are primarily heated with natural gas.
Laramie County had 249 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Laramie 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 | $338,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)