Home Insurance in Lyons, Indiana
With a median home value of $82,100, Lyons is 46% lower than the Greene County median.
The typical home in Lyons was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 1 point above Greene County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lyons is 70% single-family homes and 21% mobile or manufactured homes.
About 29% of owner-occupied homes in Lyons have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lyons has an owner-occupancy rate of 75% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Lyons, 50% of homes are primarily heated with electricity.
Greene County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Greene County had 53 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $82,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Greene County | 53 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)