Home Insurance in Lyons, Michigan
The median home value in Lyons is $121,500, 39% lower than the Ionia County median.
The typical home in Lyons was built around 1948. About 61% of homes were built before 1960, about 20 points above Ionia County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lyons, the housing stock is 76% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Lyons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Lyons are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lyons, 91% of homes are primarily heated with natural gas.
FEMA rates Ionia County's overall risk as Relatively Low, led by strong wind (Relatively High). Ionia County had 100 active NFIP flood policies as of September 2026. See the full Ionia County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $121,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ionia County | 100 |
| Home insurance premium | $1,110 - 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)