Home Insurance in Natrona County, Wyoming
Homes in Natrona County carry a median value of $273,000 - 12% lower than the Wyoming median.
The typical home in Natrona County was built around 1977. About 28% of homes were built before 1960, about 5 points above Wyoming's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Natrona County is 74% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Natrona County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Natrona County are owner-occupied.
In Natrona County, 72% of homes are primarily heated with natural gas.
The top hazards for Natrona County, per FEMA's National Risk Index, are winter weather (Very High), wildfire (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Natrona County has 177 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $273,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 177 |
| 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)