Home Insurance in Lyndon, Kansas
With a median home value of $114,400, Lyndon is 27% lower than the Osage County median.
The typical home in Lyndon was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 17 points above Osage County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lyndon is 84% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 54% of owner-occupied homes in Lyndon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Lyndon are owner-occupied.
79% of homes in Lyndon are primarily heated with natural gas.
What's the biggest home insurance risk near Lyndon? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Osage County and Osage County had 21 active NFIP flood policies as of September 2026. See the full Osage County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $114,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Osage County | 21 |
| Home insurance premium | $1,733 - 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)