Home Insurance in Wheatland, Wyoming
With a median home value of $259,200, Wheatland is 13% lower than the Platte County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wheatland was built around 1975. About 28% of homes were built before 1960, about 1 point below Platte County's 29%.
In Wheatland, the housing stock is 60% single-family homes, 9% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Wheatland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wheatland has an owner-occupancy rate of 62% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Wheatland - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Wheatland? FEMA's National Risk Index points to wildfire (Relatively Low) in Platte County and Platte County had 7 active NFIP flood policies as of September 2026. 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 | $259,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)