Home Insurance in Lytton, Iowa
With a median home value of $65,600, Lytton is 54% lower than the Sac County median.
The median home in Lytton was built in 1939 or earlier. About 71% of homes were built before 1960, about 17 points above Sac County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lytton is 87% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 41% of owner-occupied homes in Lytton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lytton has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Lytton - 66% - are primarily heated with natural gas.
Sac County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Sac County had 4 active NFIP flood policies as of September 2026. See the full Sac County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $65,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sac County | 4 |
| Home insurance premium | $1,342 - 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)