Home Insurance in Lyon County, Iowa
Homes in Lyon County carry a median value of $230,000 - 11% higher than the Iowa median.
The typical home in Lyon County was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 5 points above Iowa's 38%.
In Lyon County, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 57% of owner-occupied homes in Lyon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Lyon County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Lyon County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), winter weather (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Lyon County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lyon County has 21 active NFIP flood policies on file.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $230,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 21 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)