Home Insurance in Evanston, Wyoming
The median home value in Evanston is $280,900, close to the Uinta County median.
The typical home in Evanston was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 5 points above Uinta County's 16%.
In Evanston, the housing stock is 66% single-family homes, 15% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Evanston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Evanston are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Evanston, 77% of homes are primarily heated with natural gas.
Uinta County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Uinta County had 66 active NFIP flood policies as of September 2026. See the full Uinta County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $280,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Uinta County | 66 |
| 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)