Home Insurance in Lyman, Wyoming
With a median home value of $288,500, Lyman is close to the Uinta County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lyman was built around 1989. About 13% of homes were built before 1960, about 3 points below Uinta County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lyman is 66% single-family homes, 4% apartments in buildings with 5+ units and 31% mobile or manufactured homes.
About 58% of owner-occupied homes in Lyman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Lyman are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lyman - 80% - are primarily heated with natural gas.
FEMA rates Uinta County's overall risk as Very Low, led by winter weather (Relatively High). 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.
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 | $288,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)