Flood insurance cost · WY

Flood insurance cost in Wyoming

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,278 home policies in force on August 31, 2026.

WyomingPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,070a year

Half of insured homes paid between $768 and $1,406. That is about the same as the national median ($1,082). The most common flood zone for insured homes here is zone X (43%).

$0$768 · $1,070 · $1,406$1,758

+3.5% vs Aug 31, 2025 (median $1,034)

1,278home policies in force

$1,191average cost (mean)

56%of insured homes in high-risk zones (A, V)

$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Wyoming, county by county.

Cost by flood zone in Wyoming

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,084	$733–$1,624	$1,314	430 (34%)	+1.5%
Zone A High risk	$1,109	$798–$1,554	$1,323	216 (17%)	+3.8%
Zone AO High risk, shallow	$1,270	$1,068–$1,482	$1,284	68 (5%)	+4.4%
Zone X Moderate to low risk	$1,027	$768–$1,267	$1,029	555 (43%)	+2.9%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Wyoming, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,174	$1,083	$1,203
2–4 unit building	12	$1,030	$1,176
Manufactured (mobile) home	66	$1,044	$1,146
Condo or apartment unit	26	$776	$763
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	26	$2,256	$2,610
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	196	$1,284	$2,015

1,500NFIP policies in force, any building

1,557insured units (condo association policies count every unit)

62%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Wyoming

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	1,348	1,278	−5.2%
Median annual cost	$1,034	$1,070	+3.5%
Average annual cost	$1,142	$1,191	+4.3%
All policies in force (any building)	1,581	1,500	−5.1%

Flood claims history

Since 1978, NFIP policyholders in Wyoming have filed 562 flood claims. 315 received a payment, for a total of $3,769,076 (an average of $11,965 per paid claim). The year with the most claims was 1985 (81 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (23)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2023	13	<10	–	–
2019	20	12	$180,285	$15,024
2018	12	<10	–	–
2017	10	<10	–	–
2016	10	<10	–	–
2015	27	17	$974,569	$57,328
2014	11	<10	–	–
2013	10	<10	–	–
2011	22	17	$188,279	$11,075
2010	21	<10	–	–
2009	14	<10	–	–
2008	12	<10	–	–
2007	14	<10	–	–
1997	36	18	$218,538	$12,141
1995	19	<10	–	–
1991	13	<10	–	–
1986	11	<10	–	–
1985	81	63	$603,371	$9,577
1984	34	16	$79,933	$4,996
1983	21	<10	–	–
1982	27	13	$55,146	$4,242
1981	13	<10	–	–
1978	31	27	$96,661	$3,580

From 2016 to 2026: 65 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Wyoming

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)

County	Home policies	Median
Albany County	55	$756
Big Horn County	17	$1,349
Campbell County	18	$749
Carbon County	64	$1,242
Converse County	22	$1,320
Fremont County	30	$1,566
Johnson County	14	$1,264
Lincoln County	31	$1,029
Park County	35	$1,288
Sheridan County	49	$1,529
Sweetwater County	42	$1,317
Uinta County	62	$1,288