Home Insurance in Dayton, Indiana
Homes in Dayton carry a median value of $176,300 - 26% lower than the Tippecanoe County median.
The typical home in Dayton was built around 1979. About 35% of homes were built before 1960, about 12 points above Tippecanoe County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dayton is 88% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Dayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Dayton are owner-occupied.
In Dayton, 61% of homes are primarily heated with natural gas.
FEMA rates Tippecanoe County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Tippecanoe County had 199 active NFIP flood policies as of September 2026. See the full Tippecanoe 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 Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $176,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Tippecanoe County | 199 |
| Home insurance premium | $1,259 - 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)