Home Insurance in Dayton, Pennsylvania
With a median home value of $105,400, Dayton is 33% lower than the Armstrong County median.
The median home in Dayton was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 81% of homes were built before 1960, about 30 points above Armstrong County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dayton is 83% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
36% 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 88% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Dayton - 91% - are primarily heated with natural gas.
Armstrong County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Armstrong County had 247 active NFIP flood policies as of September 2026. See the full Armstrong 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 Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $105,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Armstrong County | 247 |
| Home insurance premium | $1,217 - 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)