Home Insurance in Pinedale, Wyoming
Homes in Pinedale carry a median value of $319,200 - 15% lower than the Sublette County median.
The typical home in Pinedale was built around 1978. About 27% of homes were built before 1960, about 9 points above Sublette County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pinedale is 82% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
44% of owner-occupied homes in Pinedale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Pinedale are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Pinedale - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pinedale? FEMA's National Risk Index points to wildfire (Relatively Low) in Sublette County and 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 | $319,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)