Home Insurance in Sweetwater County, Wyoming
Homes in Sweetwater County carry a median value of $251,400 - 19% lower than the Wyoming median.
The typical home in Sweetwater County was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 4 points below Wyoming's 23%.
In Sweetwater County, the housing stock is 66% single-family homes, 8% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Sweetwater County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Sweetwater County are owner-occupied.
81% of homes in Sweetwater County are primarily heated with natural gas.
Per FEMA's National Risk Index, Sweetwater County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Sweetwater County had 67 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $251,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $1,853 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)