Home Insurance in Powell, Wyoming
Homes in Powell carry a median value of $289,400 - 28% lower than the Park County median.
The typical home in Powell was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 12 points above Park County's 22%.
In Powell, the housing stock is 76% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Powell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Powell are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Powell, 83% of homes are primarily heated with natural gas.
Park County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 | $289,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)