Wyoming

Wyoming has the lightest-touch HOA statutory regime in the country: no comprehensive HOA Act, no community-association act, no UCIOA adoption. CC&Rs run with the land and are enforceable as contracts; ADU restrictions buried in CC&Rs are presumptively enforceable. Combined with the absence of state ADU preemption, Wyoming's regime is local-zoning + private-CC&R, with both gates needing to be open.

Wyoming's state housing finance vehicle is the Wyoming Community Development Authority (WCDA), located in Casper. WCDA's mission is to assist Wyoming citizens in attaining quality affordable housing; it is funded by selling tax-exempt mortgage revenue bonds rather than by state appropriation (WCDA receives no state funding). WCDA does NOT publish a dedicated consumer ADU loan, but its existing single-family programs (the Single-Family Mortgage Purchase Program, Home$tretch 0% down-payment-assistance loan, and the Mortgage Credit Certificate program) can be combined with FHA 203(k) or Fannie Mae HomeStyle Renovation overlays to finance an ADU buildout at acquisition. WCDA also administers the LIHTC, National Housing Trust Fund, HOME, CDBG, and HOME-ARP programs for affordable rental development; some of these channels fund developer-side ADU-bearing infill but are not consumer-facing. Local-level financing in Jackson/Teton County via the Teton County Housing Authority is the most ADU-focused public-financing pathway in the state, but it is local, not statewide.

• WCDA Single-Family Mortgage Purchase Program
• WCDA Home$tretch Down-Payment Assistance Loan
• WCDA Mortgage Credit Certificate (MCC) Program
• WCDA Affordable Rental Housing Programs (LIHTC, NHTF, HOME, CDBG, HOME-ARP)

Wyoming is the only US state with NO FAIR Plan. Property insurance is regulated by the Wyoming Department of Insurance. The state does not have a residual-market insurer-of-last-resort mechanism; property owners unable to obtain admitted-market coverage have very limited options because Wyoming also restricts surplus-line carriers from writing personal-lines homeowners insurance. The dominant ADU-relevant insurance issues are wildfire (an estimated 14% of Wyoming homes face elevated wildfire risk; rural and vacation-property premiums have spiked sharply in 2024–2026 underwriting cycles), severe convective storms (hail and straight-line wind on the Eastern plains), and flood (limited but non-zero on the North Platte, Snake, and Bighorn drainages). Standard homeowners policies cover ADUs as 'other structures' on the parcel; a long-term ADU rental triggers landlord-policy underwriting. Hail deductibles run 1–5% of dwelling coverage in many WY policies.