Home Insurance in Guernsey, Wyoming
Homes in Guernsey carry a median value of $224,300 - 25% lower than the Platte County median.
The typical home in Guernsey was built around 1973. About 37% of homes were built before 1960, about 7 points above Platte County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Guernsey is 69% single-family homes, 2% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
In Guernsey, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guernsey has an owner-occupancy rate of 82% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
86% of homes in Guernsey are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Platte County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Platte 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 | $224,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Platte County | 7 |
| 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)