Home Insurance in Park County, Wyoming
The median home value in Park County is $400,500, 29% higher than the Wyoming median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Park County was built around 1983. About 22% of homes were built before 1960, in line with Wyoming (23%).
The housing stock in Park County is 81% single-family homes, 5% 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.
55% of owner-occupied homes in Park County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Park County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 66% of homes in Park County are primarily heated with natural gas.
Per FEMA's National Risk Index, Park County's top hazards are wildfire (Relatively Low), earthquake (Relatively Low) and winter weather (Relatively Moderate). 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, Park County has 43 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 | $400,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 43 |
| 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)