Home Insurance in Lyman, Washington
With a median home value of $384,700, Lyman is 29% lower than the Skagit County median.
The typical home in Lyman was built around 1982. About 45% of homes were built before 1960, about 23 points above Skagit County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lyman is 78% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lyman, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Lyman are owner-occupied.
38% of homes in Lyman are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Skagit County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Skagit County had 2,986 active NFIP flood policies as of September 2026. See the full Skagit County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Washington, the statewide average premium for a standard HO-3 homeowners policy is $1,232 per year (NAIC, 2023 data).
Key figures
| Median home value | $384,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Skagit County | 2,986 |
| Home insurance premium | $1,232 - 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)