Home Insurance in Edgerton, Wyoming
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Edgerton was built around 1985. About 8% of homes were built before 1960, about 20 points below Natrona County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Edgerton is 29% single-family homes and 38% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
37% of owner-occupied homes in Edgerton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 44% of occupied homes in Edgerton are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Edgerton, 38% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Natrona County had 177 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Natrona County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wyoming, the statewide average premium for a standard HO-3 homeowners policy is $1,853 per year (NAIC, 2023 data).
Key figures
| Median year built | 1985 |
|---|---|
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Natrona County | 177 |
| 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)