Home Insurance in Niobrara County, Wyoming
The median home value in Niobrara County is $221,500, 28% lower than the Wyoming median.
The typical home in Niobrara County was built around 1962. About 50% of homes were built before 1960, about 27 points above Wyoming's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Niobrara County is 72% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 31% of owner-occupied homes in Niobrara County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Niobrara County has an owner-occupancy rate of 62% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Niobrara County are primarily heated with natural gas.
The top hazards for Niobrara County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Niobrara County has 2 active NFIP flood policies on file.
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 | $221,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 2 |
| 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)