Home Insurance in Dayton, Idaho
Homes in Dayton carry a median value of $308,300 - 17% lower than the Franklin County median.
The typical home in Dayton was built around 1979. About 29% of homes were built before 1960, about 7 points below Franklin County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Dayton is 95% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Dayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dayton has an owner-occupancy rate of 94% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dayton, 48% of homes are primarily heated with propane.
What's the biggest home insurance risk near Dayton? FEMA's National Risk Index points to wildfire (Relatively Low) in Franklin County and Franklin County had 4 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $308,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Franklin County | 4 |
| Home insurance premium | $1,135 - 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)