Home Insurance in Granger, Wyoming
The median home value in Granger is $100,000, 60% lower than the Sweetwater County median.
The typical home in Granger was built around 1980. About 19% of homes were built before 1960, in line with Sweetwater County (19%). 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 Granger is 49% single-family homes and 51% mobile or manufactured homes.
Almost no owner-occupied homes in Granger carry a mortgage.
About 75% of occupied homes in Granger are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Granger are primarily heated with natural gas.
Sweetwater County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Sweetwater County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wyoming carries a statewide average premium of $1,853 per year.
Key figures
| Median home value | $100,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Sweetwater County | 67 |
| 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)