Home Insurance in Lusk, Wyoming
Homes in Lusk carry a median value of $213,000 - close to the Niobrara County median.
The typical home in Lusk was built around 1956. About 53% of homes were built before 1960, about 3 points above Niobrara County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lusk is 67% single-family homes, 22% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lusk, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lusk has an owner-occupancy rate of 51% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
64% of homes in Lusk are primarily heated with natural gas.
What's the biggest home insurance risk near Lusk? FEMA's National Risk Index points to wildfire (Relatively Low) in Niobrara County and Niobrara County had 2 active NFIP flood policies as of September 2026. See the full Niobrara 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 home value | $213,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Niobrara County | 2 |
| 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)