Home Insurance in Wamsutter, Wyoming
The median home value in Wamsutter is $98,700, 61% lower than the Sweetwater County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wamsutter was built around 1989. About 5% of homes were built before 1960, about 15 points below 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 Wamsutter is 30% single-family homes and 49% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
22% of owner-occupied homes in Wamsutter carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Wamsutter are owner-occupied.
66% of homes in Wamsutter 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.
In Wyoming, the statewide average premium for a standard HO-3 homeowners policy is $1,853 per year (NAIC, 2023 data).
Key figures
| Median home value | $98,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)