Home Insurance in Lincoln County, Wyoming
Homes in Lincoln County carry a median value of $372,600 - 20% higher than the Wyoming median.
The typical home in Lincoln County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 8 points below 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 Lincoln County is 80% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
52% of owner-occupied homes in Lincoln County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lincoln County are owner-occupied.
45% of homes in Lincoln County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Lincoln County's top hazards are earthquake (Relatively Low), winter weather (Relatively High) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lincoln County has 40 active NFIP flood policies on file.
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 | $372,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 40 |
| 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)