Home Insurance in Lyons, Pennsylvania
With a median home value of $179,800, Lyons is 30% lower than the Berks County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Lyons was built in 1939 or earlier. About 55% of homes were built before 1960, about 13 points above Berks County's 43%.
In Lyons, the housing stock is 74% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in Lyons have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Lyons are owner-occupied.
36% of homes in Lyons are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Berks County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Berks County had 856 active NFIP flood policies as of September 2026. See the full Berks 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 Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $179,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Berks County | 856 |
| Home insurance premium | $1,217 - 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)