Home Insurance in Lynd, Minnesota
With a median home value of $187,500, Lynd is 7% lower than the Lyon County median.
The typical home in Lynd was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 2 points above Lyon County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lynd is 91% single-family homes and 6% mobile or manufactured homes.
About 60% of owner-occupied homes in Lynd have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Lynd are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 76% of homes in Lynd are primarily heated with propane.
FEMA rates Lyon County's overall risk as Relatively Low, led by winter weather (Relatively High). Lyon County had 30 active NFIP flood policies as of September 2026. See the full Lyon 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 Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $187,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lyon County | 30 |
| Home insurance premium | $1,988 - 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)