Home Insurance in Marbleton, Wyoming
The median home value in Marbleton is $210,000, 44% lower than the Sublette County median.
The typical home in Marbleton was built around 1988. About 2% of homes were built before 1960, about 16 points below Sublette County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Marbleton, the housing stock is 59% single-family homes, 6% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Marbleton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marbleton has an owner-occupancy rate of 81% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Marbleton, 60% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sublette County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Sublette County had 9 active NFIP flood policies as of September 2026. See the full Sublette 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 | $210,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Sublette County | 9 |
| 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)