Home Insurance in Kemmerer, Wyoming
The median home value in Kemmerer is $178,900, 52% lower than the Lincoln County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kemmerer was built around 1975. About 28% of homes were built before 1960, about 13 points above Lincoln County's 15%.
The housing stock in Kemmerer is 75% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kemmerer, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kemmerer has an owner-occupancy rate of 73% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kemmerer - 72% - are primarily heated with natural gas.
Lincoln County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $178,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)