Home Insurance in Dayton, Texas
The median home value in Dayton is $227,600, 25% higher than the Liberty County median.
The typical home in Dayton was built around 2000. About 5% of homes were built before 1960, about 3 points below Liberty County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dayton is 69% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% 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 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dayton, 59% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Dayton? FEMA's National Risk Index points to tornado (Relatively High) in Liberty County and Liberty County had 1,901 active NFIP flood policies as of September 2026. See the full Liberty County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $227,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Liberty County | 1,901 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dayton
- ADELA'S MULTI SERVICES INC, Dayton (General Lines Agency)
- DYLAN KOLARIK INSURANCE AGENCY, LLC, Dayton (General Lines Agency)
- JORDAN THIBODEAUX INSURANCE AND FINANCIAL SERVICES INC, Dayton (General Lines Agency)
- RIPKOWSKI INSURANCE AGENCY, LLC, Dayton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)