Laramie County, WY: Home-Insurance Distress & Forced-Sale Pressure
Laramie County, WY: 64/100 (elevated) home-insurance distress; Laramie, WY band MEDIUM; Laramie, WY #802 of 3,222 counties; Laramie, WY #1 of 23 in Wyoming; raw Laramie, WY 57.4.
FEMA hazard, Laramie, WY: 63/100; Laramie, WY declarations, three years: 2; Laramie, WY perils: 3 fire; Laramie, WY five-year count 2 (severity 3.0); Laramie, WY ten-year 2; hazard-weighted, Laramie, WY: 4.0.
Declared incidents on the Laramie, WY record: 2024 Fire 2 (Laramie, WY).
NFIP claims, Laramie, WY, three years: 3; Laramie, WY payouts $34,502; per Laramie, WY claim $11,501; Laramie, WY claim-stress 65/100.
Laramie, WY monthly score fell, 64 (March 2026) to 57 (October 2026); Laramie, WY by month: March 64, April 64, May 64, June 64 (Laramie, WY), July 61, August 60, September 67, October 57.
Laramie, WY components: climate 52, NFIP claims 65; Laramie, WY retreat index 57.
Construction distress, Laramie, WY: 42/100 as of August 2026 (Laramie, WY: 45/100 one-to-four unit, 37/100 multifamily).
Laramie, WY ZIPs, June 2026 (Laramie, WY, 13 highest): score 0 (Laramie, WY), climate 79 (Laramie, WY): 82001, 82005, 82007, 82009, Laramie, WY 82050, 82053, 82054, 82059, Laramie, WY 82060, 82061, 82081; score 0 (Laramie, WY), climate 58 (Laramie, WY): 82082; score 0 (Laramie, WY), climate 32 (Laramie, WY): 82221.
DLRadar rescores Laramie, WY monthly; Laramie, WY readings join Laramie, WY foreclosure, lien and ownership parcels (Laramie, WY), so cost-squeezed Laramie, WY owners surface before listing.
Inside Wyoming, Laramie County ranks 1st of 23 counties for home-insurance distress at 64/100; Johnson County (40/100) sits just below Laramie County.
Deterministic. Every Laramie County, WY signal traces to a public Laramie dataset (FEMA, NFIP, Census for Laramie, WY) · how insurance distress works in Laramie, WY · methodology
FAQ: Laramie County, WY insurance distress
What is the Laramie County, WY home-insurance-distress score?
Laramie, WY: 64/100 (MEDIUM), #802 of 3,222, #1 in Wyoming. FEMA hazard, Laramie, WY: 63/100; NFIP stress, Laramie, WY: 65/100; construction, Laramie, WY: 42/100; Laramie, WY rescores monthly.
Is Laramie County insurance distress getting better or worse (WY)?
Laramie, WY: 64 in March 2026; Laramie, WY: 57 in October 2026 (better); Laramie, WY climate component 52; Laramie, WY NFIP claims score 65.
How many flood-insurance claims has Laramie County, WY had?
Laramie, WY: 3 NFIP claims, three years; Laramie, WY paid $34,502; per Laramie, WY claim $11,501; carriers reprice Laramie, WY against that record.
Which Laramie County ZIP codes carry the most insurance distress (WY)?
Laramie, WY, June 2026: 82001 at 0, 82005 at 0, 82007 at 0, 82009 at 0; Laramie, WY climate scores there: 79, 79, 79, 79.
Why does Laramie, WY insurance distress create sellers?
A Laramie, WY premium outruns the Laramie, WY budget; a carrier leaves Laramie, WY; Laramie, WY carrying cost passes plan; Laramie, WY owners sell while current; Laramie, WY insurance distress leads Laramie, WY foreclosure data.