Flood insurance in Wyoming: cost by ZIP code and county
Wyoming had 1,216 single-family flood policies on July 31, 2026, one of the smallest counts in the country, at a median bill of $1,084.
Median single-family flood bill, Wyoming
$1,084
1,216 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,146 |
| Policies still below their full-risk price | 33 % |
| Median paid in August 2023 | $881 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,730 |
| Median claim paid, 2016 to 2025 (33 claims) | $11,508 |
Compiled by Radif Partners · Where the numbers come from · 36 ZIP codes and 18 counties of Wyoming in FEMA's tables · not a quote
Wyoming has one of the smallest flood insurance markets in the United States: 1,216 single-family policies in the federal program on July 31, 2026, with a median total bill of $1,084 a year once the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee are added to the premium. That median is close to the national $1,081, and the state is near full risk: the median full-risk bill is $1,146, and 33 % of policies still pay less than their full-risk premium. Teton County, around Jackson, holds 320 of those policies, about 26 % of the state. The split between zones is close: 672 homes in A zones at a median of $1,149, and 540 in X zones at $1,049. Over 2016 to 2025, the program paid just 33 single-family claims in Wyoming, with a median of $11,508, too few for county-level claim figures in most of the state.
Reading figures from very few policies
Small numbers change how this page should be read. With about 34 policies per ZIP code on average, and fewer than 100 in most counties, one expensive policy can move a local median by hundreds of dollars. The state medians, built on 1,216 policies, are the steadier guide, and county figures outside the largest three are best taken as rough.
The claims file is even thinner. The 33 paid claims of the decade split into 20 in A zones and 13 in X, B or C zones. No flood paid enough Wyoming claims to appear as a named event, and only Sheridan County among the large counties has enough claims to publish a median, $9,194.
A Wyoming bill next to the state medians
Single-family flood policies in Wyoming
$1,084
| Median full-risk price, same policies | $1,146 |
| Still below their full-risk price | 33 % |
| Median paid in August 2023 | $881 |
| Gap left from the bill entered | 1 renewal at 18 % |
Jackson, Casper, Cheyenne
In Teton County the median bill was $1,131 on July 31, 2026, almost level with its full-risk median of $1,148. However much a house there is worth, the federal policy stops at $250,000 of building coverage; the coverage limits guide covers the gap above that.
Natrona County, around Casper, paid more: $1,285 at the median. Laramie County, home to Cheyenne, is the cheapest of the large counties at $762 and already at full risk, with 12 % of policies capped.
Where the increases remain
Sheridan County had the largest 2023 gap in the state: $918 paid at the median against $3,590 at full risk. On July 31, 2026 its median bill was $1,484 and 72 % of its policies were still capped. Fremont County shows a similar pattern on fewer homes, with a full-risk median of $2,669.
Is a Wyoming flood covered this many days after buying?
Would the policy pay for that flood?
No
| Rule applied | Standard 30-day wait |
| Waiting period | 30 days |
Outside a mapped high-risk zone no lender has to require a policy, and a new one usually waits 30 days before it covers a flood. The waiting period guide lists the exceptions, and the Idaho page shows the market of a neighbouring state.
The Wyoming counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Teton County | 320 | $1,131 | $1,148 | 27 % | 1 | $914 | n/a |
| Natrona County | 163 | $1,285 | $1,412 | 38 % | 1 | $1,036 | n/a |
| Laramie County | 188 | $762 | $762 | 12 % | none | $714 | n/a |
| Goshen County | 104 | $659 | $668 | 38 % | 1 | $630 | n/a |
| Sheridan County | 46 | $1,484 | $3,413 | 72 % | 6 | $918 | $9,194 |
| Uinta County | 48 | $1,298 | $1,426 | 42 % | 1 | $1,029 | n/a |
| Fremont County | 29 | $1,619 | $2,669 | 59 % | 4 | $1,106 | n/a |
| Sweetwater County | 43 | $1,322 | $1,579 | 21 % | 2 | $1,404 | n/a |
Full-risk prices of Wyoming homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 548 | 40.9 % | $366,886 |
| $1,000 to $2,000 | 496 | 37.0 % | $436,700 |
| $2,000 to $3,000 | 113 | 8.4 % | $431,724 |
| $3,000 to $4,000 | 70 | 5.2 % | $368,038 |
| $4,000 to $5,000 | 34 | 2.5 % | $425,426 |
| $5,000 or more | 78 | 5.8 % |