Home Insurance in Dayton, Iowa
With a median home value of $114,800, Dayton is 25% lower than the Webster County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dayton was built around 1955. About 58% of homes were built before 1960, about 4 points above Webster County's 54%.
In Dayton, the housing stock is 78% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Dayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Dayton are owner-occupied.
In Dayton, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dayton? FEMA's National Risk Index points to tornado (Relatively High) in Webster County and Webster County had 24 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $114,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Webster County | 24 |
| Home insurance premium | $1,342 - 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)