Home Insurance in Lynndyl, Utah
With a median home value of $275,000, Lynndyl is close to the Millard County median.
The typical home in Lynndyl was built around 1969. About 36% of homes were built before 1960, about 3 points below Millard County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lynndyl, the housing stock is 84% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Lynndyl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Lynndyl are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lynndyl, 84% of homes are primarily heated with natural gas.
FEMA rates Millard County's overall risk as Very Low, led by winter weather (Relatively High). Millard County had 20 active NFIP flood policies as of September 2026. See the full Millard 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 Utah carries a statewide average premium of $1,107 per year.
Key figures
| Median home value | $275,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Millard County | 20 |
| Home insurance premium | $1,107 - 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)