Evanston, WY Home Insurance
In this picturesque Rocky Mountain town, Evanston home insurance is important to make sure your home stays safe and beautiful no matter what.
Nestled at the foot of the Rocky Mountains, Evanston, Wyoming, is a quaint, charming little town. Of course, "little" is a relative term. Evanston is the eighth-largest community in the state of Wyoming, with a population of 11,758 as of the 2020 census.
Evanston's location in southwestern Wyoming attracts people who enjoy outdoor activities. Wyoming doesn't have a state income tax, so others come for economic reasons. Whatever draws them, people who settle in Evanston typically want to stay permanently. A majority of residents, 71.8%, own their own homes.
Nevertheless, the people of Evanston face risks to their homes and their comfortable daily habits. Weather and wildfires can both threaten homes, and property crimes are somewhat more common here than elsewhere in Wyoming.
Generally speaking, Evanston is a safe place to live. Nevertheless, homes and other personal property may be at risk of damage or destruction due to the following threats:
Evanston home insurance may protect you by covering repair or replacement costs for property affected by one of these events. VIU by HUB can help you find home insurance you can afford.
Here is a look at some of these risks in more detail.
Due to its location on the leeward side of the Rocky Mountains, Evanston has a semi-arid climate. It only sees 15 inches of rain per year. However, this doesn't preclude the possibility of severe weather.
The biggest weather threat to homeowners in Evanston is probably snow. Evanston can see 63 inches of snow on average per year, more than twice the national average. Heavy snow can damage roofs or bring down tree limbs. Patterns of thawing and refreezing can cause ice dams to form in gutters, leading to roof leaks.
The risk of wildfires to Evanston homeowners is severe, with 99% of all the properties in the town at some risk. Wildfires tend to follow certain patterns; for example, they generally climb uphill. Evanston has an elevation of 6,800 feet. which is part of the reason for the severe wildfire risk. Strong downslope winds may also contribute to the spread of fire.
While the rate of property crimes in Evanston is relatively low, it is slightly higher than both the state rate for Wyoming and the national rate for the United States. In a year, there are 195 thefts in Evanston, approximately 16 for every 1,000 residents, and 56 burglaries. Your risk of becoming the victim of a property crime in Evanston is approximately one in 45, which is greater than the statewide risk of one in 54.
On average, the annual cost to insure your home in Evanston is about $1,280. The good news is that this is lower than the statewide average in Wyoming by 17%. The bad news is that it is still a significant amount of money.
People in Evanston have faced, and continue to face, some economic challenges. The unemployment rate in Evanston is higher than the U.S. average, and the job market has seen a 2.7% decrease over the past year. While experts predict 8.1% future job growth over the next 10 years, this would be a moderate gain.
Due to the economic situation, saving on Evanston home insurance is necessary. VIU by HUB makes it easy. Answer a few simple questions about yourself and your home, and we provide several quotes from different insurance companies. Find the best price by comparing the results.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
