Home Insurance in Alpine, Wyoming
Homes in Alpine carry a median value of $621,600 - 67% higher than the Lincoln County median.
The typical home in Alpine was built around 1996. About 3% of homes were built before 1960, about 12 points below Lincoln County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Alpine is 57% single-family homes, 18% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Alpine, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Alpine has an owner-occupancy rate of 44% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Alpine, 77% of homes 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.
What's the biggest home insurance risk near Alpine? FEMA's National Risk Index points to earthquake (Relatively Low) in Lincoln County and Lincoln County had 40 active NFIP flood policies as of September 2026. See the full Lincoln County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Wyoming is $1,853 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $621,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lincoln County | 40 |
| 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)