Home Insurance in Cody, Wyoming
The median home value in Cody is $378,500, 5% lower than the Park County median.
The typical home in Cody was built around 1982. About 22% of homes were built before 1960, in line with Park County (22%). 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 Cody is 74% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Cody carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cody has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
75% of homes in Cody are primarily heated with natural gas.
What's the biggest home insurance risk near Cody? FEMA's National Risk Index points to wildfire (Relatively Low) in Park County and Park County had 43 active NFIP flood policies as of September 2026. See the full Park County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Wyoming is $1,853 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $378,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Park County | 43 |
| 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)