Home Insurance in Midwest, Wyoming
With a median home value of $63,900, Midwest is 77% lower than the Natrona County median.
The median home in Midwest was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 90% of homes were built before 1960, about 62 points above 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 Midwest is 93% single-family homes and 7% mobile or manufactured homes.
17% of owner-occupied homes in Midwest carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Midwest are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Midwest, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Midwest? FEMA's National Risk Index points to winter weather (Very High) in Natrona County and 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 | $63,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)