Home Insurance in Dayton, Tennessee
Homes in Dayton carry a median value of $214,900 - close to the Rhea County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dayton was built around 1984. About 16% of homes were built before 1960, about 3 points above Rhea County's 13%.
Housing in Dayton breaks down to 57% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Dayton, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Dayton are owner-occupied.
Most homes in Dayton - 56% - are primarily heated with electricity.
FEMA rates Rhea County's overall risk as Relatively Low, led by earthquake (Relatively Low). Rhea County had 143 active NFIP flood policies as of September 2026. See the full Rhea County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $214,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Rhea County | 143 |
| Home insurance premium | $1,649 - 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)