Home Insurance in Lyons, Ohio
The median home value in Lyons is $158,300, 17% lower than the Fulton County median.
The typical home in Lyons was built around 1971. About 42% of homes were built before 1960, about 4 points above Fulton County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lyons, the housing stock is 90% single-family homes and 1% mobile or manufactured homes.
About 76% of owner-occupied homes in Lyons have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Lyons are owner-occupied.
Most homes in Lyons - 92% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lyons? FEMA's National Risk Index points to tornado (Relatively Moderate) in Fulton County and Fulton County had 64 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $158,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Fulton County | 64 |
| Home insurance premium | $1,116 - 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)