Home Insurance in Jackson, Wyoming
With a median home value of $1,521,900, Jackson is 7% lower than the Teton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jackson was built around 1990. About 8% of homes were built before 1960, about 3 points below Teton County's 11%.
Housing in Jackson breaks down to 55% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
75% of owner-occupied homes in Jackson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Jackson are owner-occupied.
In Jackson, 77% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jackson? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Teton County and Teton County had 406 active NFIP flood policies as of September 2026. See the full Teton 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 | $1,521,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Teton County | 406 |
| 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)