Home Insurance in Teton County, Wyoming
With a median home value of $1,633,900, Teton County is 428% higher than the Wyoming median.
The typical home in Teton County was built around 1989. About 11% of homes were built before 1960, about 12 points below Wyoming's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Teton County breaks down to 72% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Teton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Teton County are owner-occupied.
67% of homes in Teton County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Teton County's top hazards are wildfire (Relatively Moderate), earthquake (Relatively Low) and winter weather (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Teton County has 406 active NFIP flood policies on file.
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 | $1,633,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 406 |
| 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)