Home Insurance in Lyndonville, New York
The median home value in Lyndonville is $139,900, close to the Orleans County median.
The median home in Lyndonville was built in 1939 or earlier. About 71% of homes were built before 1960, about 16 points above Orleans County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lyndonville is 76% single-family homes and 15% apartments in buildings with 5+ units.
In Lyndonville, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Lyndonville are owner-occupied.
In Lyndonville, 79% of homes are primarily heated with natural gas.
FEMA rates Orleans County's overall risk as Very Low, led by hurricane (Very Low). Orleans County had 56 active NFIP flood policies as of September 2026. See the full Orleans County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $139,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Orleans County | 56 |
| Home insurance premium | $1,801 - 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)