Home Insurance in Lyons, Kansas
The median home value in Lyons is $104,800, close to the Rice County median.
The typical home in Lyons was built around 1952. About 64% of homes were built before 1960, about 4 points above Rice County's 60%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lyons is 83% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Lyons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lyons has an owner-occupancy rate of 72% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Lyons - 69% - are primarily heated with natural gas.
Rice County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Rice County had 36 active NFIP flood policies as of September 2026. See the full Rice 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 | $104,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rice County | 36 |
| 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)