Home Insurance in Upton, Wyoming
Homes in Upton carry a median value of $160,400 - 28% lower than the Weston County median.
The typical home in Upton was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 11 points above Weston County's 41%.
In Upton, the housing stock is 71% single-family homes, 10% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Upton, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Upton are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Upton - 61% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Weston County's overall risk as Very Low, led by wildfire (Relatively Low). Weston County had 4 active NFIP flood policies as of September 2026. See the full Weston 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 | $160,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Weston County | 4 |
| 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)