Home Insurance in Evansville, Wyoming
The median home value in Evansville is $240,700, 12% lower than the Natrona County median.
The typical home in Evansville was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 15 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 Evansville is 70% single-family homes and 27% mobile or manufactured homes.
About 71% of owner-occupied homes in Evansville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Evansville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Evansville - 83% - are primarily heated with natural gas.
Natrona County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Natrona County had 177 active NFIP flood policies as of September 2026. See the full Natrona County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $240,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)