Home Insurance in Lindon, Utah
Homes in Lindon carry a median value of $675,500 - 25% higher than the Utah County median.
The typical home in Lindon was built around 1997. About 5% of homes were built before 1960, about 4 points below Utah County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lindon breaks down to 90% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Lindon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lindon has an owner-occupancy rate of 81% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Lindon, 87% of homes are primarily heated with natural gas.
Utah County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Utah County had 753 active NFIP flood policies as of September 2026. See the full Utah County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $675,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Utah County | 753 |
| 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)