Home Insurance in South Dayton, New York
With a median home value of $67,300, South Dayton is 40% lower than the Cattaraugus County median.
The median home in South Dayton was built in 1939 or earlier. About 78% of homes were built before 1960, about 28 points above Cattaraugus County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in South Dayton is 76% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in South Dayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in South Dayton are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in South Dayton are primarily heated with propane. 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.
What's the biggest home insurance risk near South Dayton? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Cattaraugus County and Cattaraugus County had 449 active NFIP flood policies as of September 2026. See the full Cattaraugus County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $67,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cattaraugus County | 449 |
| Home insurance premium | $1,801 - 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)