Home Insurance in Superior, Wyoming
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Superior was built around 1978. About 27% of homes were built before 1960, about 8 points above Sweetwater County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Superior is 61% single-family homes and 33% mobile or manufactured homes.
39% of owner-occupied homes in Superior carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Superior has an owner-occupancy rate of 92% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Superior are primarily heated with propane.
Sweetwater County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Sweetwater County had 67 active NFIP flood policies as of September 2026. 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 year built | 1978 |
|---|---|
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)