Home Insurance in Star Valley Ranch, Wyoming
With a median home value of $561,700, Star Valley Ranch is 51% higher than the Lincoln County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Star Valley Ranch was built around 1999. About 2% of homes were built before 1960, about 13 points below Lincoln County's 15%.
The housing stock in Star Valley Ranch is 98% single-family homes and 1% mobile or manufactured homes.
About 56% of owner-occupied homes in Star Valley Ranch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Star Valley Ranch are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Star Valley Ranch - 67% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $561,700 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)