Casper Home Insurance at a Glance
For the same house, home insurance in the 3 Casper ZIP codes we priced averaged $2,123 a year ($177 a month) as of Sept. 30, 2026, across 3 insurers, 19.4% above the Wyoming average of $1,778 a year. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 3 insurers we compared ranged from $132 to $215 a month, an $83-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Oct. 27, 2026
Casper home insurance: key numbers (3 ZIP codes)
- Home
- $2,123/yr $177/mo
- Renters
- $127/yr $11/mo
- Condo
- $176/yr $15/mo
How much is homeowners insurance in Casper?
Homeowners insurance in the 3 Casper ZIP codes we priced averages $177 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are USAA (military families only), State Farm and Foremost, and each one priced our sample home in all 3 of those ZIP codes, in Natrona County. That’s above the Wyoming average of $148 a month.
Small sample: this guide is based on 3 Casper ZIP codes (82601, 82604 and 82609), all the Casper ZIP codes in our rate data. Our Wyoming home insurance page covers 27 ZIP codes across the state, where the same house averages $148 a month, 16.3% less than in these 3 ZIP codes.
Our figures are for a $300,000 dwelling, which works out to about $7.08 a year for each $1,000 of dwelling coverage in these 3 ZIP codes; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.
For the same insurers and ZIP codes, the Casper average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $2,123 a year ($177 a month) on both dates.
Homeowners insurance averages by insurer in Casper for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $132 | $1,585 |
| State Farm | $183 | $2,201 |
| Foremost | $215 | $2,584 |
USAA (military families only) averaged $132 a month ($1,585 a year), State Farm $183 ($2,201) and Foremost $215 ($2,584) for our sample home.
By ZIP code: each insurer’s yearly price for the same house changed with the Casper address:
- USAA (military families only) charged $1,585 a year in every Casper ZIP code it priced.
- State Farm charged $2,201 a year in every Casper ZIP code it priced.
- Foremost charged $2,584 a year in every Casper ZIP code it priced.
Against each insurer’s statewide price: for the same house, here is how each insurer’s Casper average compares with its own average across the Wyoming ZIP codes it priced:
- USAA (military families only): $1,585 a year in Casper, 8.5% more than its Wyoming average of $1,461.
- State Farm: $2,201 a year in Casper, 33.5% more than its Wyoming average of $1,649.
- Foremost: $2,584 a year in Casper, 16.2% more than its Wyoming average of $2,223.
Who has the cheapest homeowners insurance in Casper?
State Farm had the lowest home average for our sample home of the insurers anyone can buy from, $183 a month ($2,201 a year), 14.8% below Foremost’s $2,584 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Casper, ZIP code averages for this house ran from $177 to $177 a month, while insurers’ Casper averages ran from $132 to $215.
Your ZIP code matters
Casper home insurance by ZIP code and insurer
We priced the same house in all 3 Casper ZIP codes in our data. Here is every insurer’s yearly price for it in each one, so you can see whether the address or the insurer moves the price more:
Yearly home insurance price for our sample home by insurer and Casper ZIP code (rates as of Sept. 30, 2026)
| Insurer | 82601 | 82604 | 82609 |
|---|---|---|---|
| USAA (military families only) | $1,585 | $1,585 | $1,585 |
| State Farm | $2,201 | $2,201 | $2,201 |
| Foremost | $2,584 | $2,584 | $2,584 |
| ZIP average | $2,123 | $2,123 | $2,123 |
ZIP by ZIP, our sample home averaged $177 a month in 82601, $177 a month in 82604 and $177 a month in 82609.
In Casper, the insurer you pick matters far more than your ZIP code. For our sample home, insurers’ averages in these 3 ZIP codes are $999 a year apart, from $1,585 to $2,584.
Every Casper ZIP code we priced came within $0 a year of the others, so where you live in Casper barely changed the price for this house.
Average home insurance prices by ZIP code in Casper, WY, for the house we priced (rates as of Sept. 30, 2026). Monthly averages; renters ($11) and condo ($15) were the same in every ZIP code.
| ZIP | Home |
|---|---|
| 82601 | $177 |
| 82604 | $177 |
| 82609 | $177 |
Each ZIP code’s figure averages the insurers we priced there.
Same house, different city: how does Casper compare?
Cheyenne, the other Wyoming city with a local guide like this one, averages $187 a month in the 3 Cheyenne ZIP codes we priced. For renters and condo owners, the 3 Casper ZIP codes average $127 and $176 a year, against $131 and $190 in Cheyenne.
Same sample home: average home insurance prices in Casper, other Wyoming cities in our data and the state (rates as of Sept. 30, 2026)
| Place | Per month | Per year | vs. state |
|---|---|---|---|
| Casper (3 ZIP codes) | $177 | $2,123 | +19.4% |
| Cheyenne (3 ZIP codes) | $187 | $2,246 | +26.4% |
| Wyoming (27 ZIP codes) | $148 | $1,778 | Baseline |
| Average of the 50 states and D.C. | $258 | $3,101 | +74.4% |
Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.
Against the average of the 50 states and D.C. ($258 a month), our sample home costs 31.5% less to insure in the 3 Casper ZIP codes we priced.
For the statewide picture, see home insurance costs in Wyoming and Cheyenne home insurance costs.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What drives home insurance risk in Casper?
Our prices come from one sample home and don’t separate causes. These official records show the natural hazards homes in and around Casper face, with ratings for Natrona County from FEMA’s National Risk Index (December 2025 version), and how each kind of hazard fits into a home insurance policy.
Hazard ratings for Natrona County
- FEMA’s National Risk Index rates Natrona County’s overall risk as Relatively Low, with winter weather rated Very High and cold wave, riverine flooding, lightning and wildfire each Relatively Moderate, according to FEMA’s National Risk Index.
- In the same index, hail is rated Relatively Low and strong wind Very Low for Natrona County, while landslide and avalanche are Relatively Moderate, according to FEMA’s National Risk Index.
What these hazards mean for your policy
- Why it matters for your premium: FEMA rates winter weather Very High for Natrona County. A standard policy generally covers sudden damage from frozen and burst pipes and from the weight of ice and snow, so winter storms are part of the risk insurers price.
- Why it matters for your premium: FEMA rates hail Relatively Low for Natrona County. Wind, hail and the weight of ice or snow are covered perils in a standard homeowners policy, minus your deductible, so a home policy here has to cover this kind of storm damage.
Disaster declarations in Natrona County
Since 2000, FEMA has made 7 disaster declarations that cover Natrona County: 2 major disaster declarations (a 2023 flood and the 2020 COVID-19 declaration), 1 emergency declaration and 4 fire management assistance declarations, according to FEMA’s OpenFEMA disaster declarations data.
The most recent declaration for Natrona County was a flood major disaster declaration on September 11, 2023 (DR-4739), according to FEMA’s OpenFEMA disaster declarations data.
Past storms and floods near Casper
Casper recorded a wind gust of 78 mph on December 17, 2025 and three days with gusts above 70 mph during the year, according to the National Weather Service in Riverton.
Casper’s 2025 snowfall was 34.8 inches, the least snowy year on record (48.5% of normal), though its greatest 24-hour snowfall that year was 5.5 inches on March 6-7, according to the National Weather Service in Riverton.
Is flood covered, and how common is flood insurance in Casper?
Flood damage isn’t covered by a standard home, renters or condo policy at all; it needs a separate flood policy.
As of August 3, 2026, Natrona County had 161 residential flood insurance policies in force under the National Flood Insurance Program, covering about 0.50% of its 31,996 residential structures, and 133 of the 702 residential structures in the mapped high-risk flood zone (18.9%) were covered, according to FEMA’s OpenFEMA NFIP residential penetration rates.
The City of Casper joined FEMA’s Community Rating System in October 2000 and is currently rated Class 10, which carries a 0% flood insurance discount outside high-risk zones, according to FEMA’s NFIP Community Status Book.
A new flood policy through the National Flood Insurance Program usually takes 30 days to start, so buying one when water is already rising is too late. FEMA’s flood map service (msc.fema.gov) shows whether a Casper address sits in a mapped high-risk flood zone, where a mortgage lender will usually require flood insurance.
How do Casper homes compare with our sample home?
In Casper, the median value of an owner-occupied home is $260,400, 69.8% of occupied homes are lived in by their owners and the median home was built in 1975, according to the U.S. Census Bureau’s American Community Survey (2020-2024, 5-year data).
Our sample house was built in 1997, so the typical Casper home is 22 years older. Insurers often price older homes, roofs, wiring and plumbing differently, so tell each one your home’s real age and updates.
We insured our house for $300,000 of rebuilding cost. Insure yours for what it would cost to rebuild, not for the $260,400 median market value: market value includes the land, and rebuilding costs can be higher or lower than the sale price.
Fire protection in Casper
Casper Fire-EMS holds an ISO Class 1 rating and operates from five stations, according to the City of Casper.
ISO’s Public Protection Classification runs from 1 (the strongest protection) to 10, and many insurers use it when they price a home, along with the distance to the nearest fire station and hydrant. We priced our sample home at protection class 3 in every ZIP code, so ask each insurer which class it uses for your address.
Is $200 a month a lot for home insurance in Casper?
$200 a month is more than our sample home averages in the 3 Casper ZIP codes we priced, $177 a month. 2 of the 3 insurers we compared averaged under $200 for the same house: USAA (military families only) ($132) and State Farm ($183). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
How do wind and hail deductibles work in Casper?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Casper policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $2,123 a year that house averages in the 3 Casper ZIP codes we priced.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
What if an insurer won’t renew your Casper home?
Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Wyoming Department of Insurance at 307-777-7402.
In our data, every insurer we compared priced our sample home in all 3 Casper ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 3 in Casper, from $132 to $215 a month for the same house), or ask a licensed agent to compare them for you.
- If the notice looks wrong, call the Wyoming Department of Insurance at 307-777-7402.
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How much is renters insurance in Casper?
Renters insurance for our sample renter averages $11 a month ($127 a year) in the 3 Casper ZIP codes we priced. The 2 insurers we compared priced our sample renter at $10 and $11 a month, a $1-a-month gap for the same coverage. Only 2 major insurers priced our sample renter in Casper in our data, so this average reflects just those two; local and regional insurers we didn’t price may charge more or less, so compare several quotes.
Renters insurance averages by insurer in Casper for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $10 | $118 |
| State Farm | $11 | $136 |
USAA (military families only) averaged $10 a month ($118 a year) and State Farm $11 ($136) for our sample renter.
With only 2 insurers in our data for Casper renters insurance, we show both averages instead of calling one the lowest in these 3 ZIP codes: USAA (military families only) $10 and State Farm $11 a month for our sample renter. Local and regional insurers we didn’t price may charge less, so compare a few renters quotes.
The renters average in the 3 Casper ZIP codes we priced is 0.6% above the Wyoming renters average of $126 a year ($11 a month) and 50.4% below the average of the 50 states and D.C., $256 a year ($21 a month). Each insurer’s renters average in the 3 Casper ZIP codes we priced for our sample renter is within $1 a month of its Wyoming average. Our sample renter’s policy costs about 6% of what our sample home costs to insure in the 3 Casper ZIP codes we priced.
For the same insurers and ZIP codes, the Casper renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $11 a month on both dates.
Each insurer charged the same renters price for our sample renter in all 3 Casper ZIP codes we priced.
Against each insurer’s statewide renters price (yearly, for our sample renter in the 3 Casper ZIP codes we priced):
- USAA (military families only): $118 a year here, about the same as its Wyoming average of $119.
- State Farm: $136 a year here, 1.6% more than its Wyoming average of $134.
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 6 sample prices by 2 insurers across 3 Casper ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
For what a renters policy covers and leaves out, see renters insurance in Wyoming.
How we got these renters prices: each insurer’s average across the 3 Casper ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Casper?
Condo insurance for our sample condo averages $15 a month ($176 a year) in the 3 Casper ZIP codes we priced. The 2 insurers we compared priced our sample condo at $14 and $15 a month, a $1-a-month gap for the same coverage. Only 2 major insurers priced our sample condo in Casper in our data, so this average reflects just those two; local and regional insurers we didn’t price may charge more or less, so compare several quotes.
Condo insurance averages by insurer in Casper for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $14 | $171 |
| State Farm | $15 | $181 |
USAA (military families only) averaged $14 a month ($171 a year) and State Farm $15 ($181) for our sample condo.
With only 2 insurers in our data for Casper condo insurance, we show both averages instead of calling one the lowest in these 3 ZIP codes: USAA (military families only) $14 and State Farm $15 a month for our sample condo. Local and regional insurers we didn’t price may charge less, so compare a few condo quotes.
The condo average in the 3 Casper ZIP codes we priced is 4.0% above the Wyoming condo average of $169 a year ($14 a month) and 63.4% below the average of the 50 states and D.C., $481 a year ($40 a month). Each insurer’s condo average in the 3 Casper ZIP codes we priced for our sample condo is within $1 a month of its Wyoming average. Our sample condo’s policy costs about 8% of what our sample home costs to insure in the 3 Casper ZIP codes we priced.
For the same insurers and ZIP codes, the Casper condo average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $15 a month on both dates.
Each insurer charged the same condo price for our sample condo in all 3 Casper ZIP codes we priced.
Against each insurer’s statewide condo price (yearly, for our sample condo in the 3 Casper ZIP codes we priced):
- USAA (military families only): $171 a year here, 2.4% more than its Wyoming average of $167.
- State Farm: $181 a year here, 5.6% more than its Wyoming average of $171.
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Casper condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $15 a month in the 3 Casper ZIP codes we priced.
Before you buy, ask the association for its master policy and deductible; see condo insurance in Wyoming for what to check.
You may also want to compare: car + home insurance in Casper
Many Casper homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See car insurance rates in Casper · Wyoming car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Casper
What is the average cost of home insurance in Casper?
For the house we priced, the 3 Casper ZIP codes we priced average $2,123 a year ($177 a month) across the 3 insurers we compared, with rates as of Sept. 30, 2026. That’s 19.4% above the Wyoming average of $148 a month. With 3 ZIP codes, treat it as a small sample.
How much is homeowners insurance in Wyoming?
For the same house, our Wyoming average is $1,778 a year ($148 a month) across 27 ZIP codes, with rates as of Sept. 30, 2026. The 3 Casper ZIP codes we priced average $177 a month for it, and our Wyoming page lists every insurer and city we priced.
Which Casper ZIP code has the cheapest home insurance?
ZIP code barely changed the price: the 3 Casper ZIP codes we priced averaged $177 to $177 a month for our sample home, while insurers’ averages ran from $132 to $215.
How much is insurance on a $300,000 house in Casper?
Our sample house is insured for $300,000 of dwelling coverage, and in the 3 Casper ZIP codes we priced it averages $2,123 a year ($177 a month). A $350,000 or $400,000 house usually costs more to insure, though not always in step with the limit, so quote your own rebuilding cost.
How do I get home insurance quotes in Casper?
Enter your ZIP code in any quote box on this page to compare free home insurance quotes for your Casper address. Get at least three, and compare each one’s dwelling limit and deductibles with ours ($300,000 and $1,000).
Does Casper home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage wind and hail deductible, so work it out in dollars: on our $300,000 sample house, 2% is $6,000, against an average premium of $2,123 a year in these 3 ZIP codes.
Is flood damage covered by home insurance in Casper?
No. A standard Casper home or renters policy doesn’t cover flooding. You need a separate policy through the National Flood Insurance Program (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so buy it before a flood threatens; the flood section above has the local NFIP numbers.
Are Casper home insurance rates going up in 2026?
For the house we priced, the average in the 3 Casper ZIP codes we priced was unchanged at $177 a month for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026. Your own renewal depends on your insurer, your home and your claims.
What do renters and condo insurance cost in Casper?
In the 3 Casper ZIP codes we priced, our sample renter ($40,000 of belongings, $300,000 liability) averages $11 a month ($127 a year) across the 2 insurers we compared, and our sample condo ($60,000 of unit coverage, $60,000 for belongings) averages $15 a month ($176 a year) across the 2 insurers we compared.
Official resources for Casper homeowners
- FEMA National Risk Index County hazard ratings and expected annual loss.
- OpenFEMA NFIP community status book Community participation and CRS class.
- NWS Riverton Casper climate summaries Annual wind, snow and temperature records for Casper.
- Casper Fire-EMS Stations, ISO Class 1 rating.
- Wyoming Department of Insurance consumer information State regulator contact and complaint process.
- Wyoming Department of Insurance Consumer help, complaints and licensed insurers. Consumer line: 307-777-7402.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 3 major insurers, and the same apartment and condo with 2 insurers each, in each of the 3 Casper ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Casper figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 9 sample prices from 3 insurers across 3 ZIP codes. Renters: 6 from 2 insurers. Condo: 6 from 2 insurers. Casper here means the 3 ZIP codes in our rate data whose main post-office city is Casper (82601, 82604 and 82609), in Natrona County. That’s a small sample: we publish a full city page when at least 5 ZIP codes are priced and this shorter local guide when 3 or 4 are.
Insurer notes: we review every note an insurer attaches to a price before publishing, with the same rules as our Wyoming page.
- Safeco’s home prices in all 27 Wyoming ZIP codes in our data (Casper’s included) are left out: the quote tool returned a note saying the company isn’t taking new business there, so we left them out.
Comparisons: the other cities and Wyoming use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: FEMA, National Weather Service, U.S. Census Bureau, City of Casper, Wyoming Department of Insurance, National Association of Insurance Commissioners, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
