Home Insurance in Dayton, Ohio
With a median home value of $100,600, Dayton is 44% lower than the Montgomery County median.
The typical home in Dayton was built around 1951. About 65% of homes were built before 1960, about 25 points above Montgomery County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Dayton breaks down to 71% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
54% 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 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Dayton are owner-occupied.
68% of homes in Dayton are primarily heated with natural gas.
Montgomery County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Montgomery County had 1,025 active NFIP flood policies as of September 2026. See the full Montgomery 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 Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $100,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Montgomery County | 1,025 |
| Home insurance premium | $1,116 - 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)