Home Insurance in Lyon County, Kansas
Homes in Lyon County carry a median value of $150,600 - 31% lower than the Kansas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lyon County was built around 1970. About 37% of homes were built before 1960, about 4 points above Kansas's 32%.
The housing stock in Lyon County is 62% single-family homes, 20% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Lyon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lyon County has an owner-occupancy rate of 58% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Lyon County are primarily heated with natural gas.
Per FEMA's National Risk Index, Lyon County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and tornado (Relatively Moderate).
As of September 2026, Lyon County has 40 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $150,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 40 |
| Home insurance premium | $1,733 - 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)