Home Insurance in Dayton, Washington
The median home value in Dayton is $243,600, 10% lower than the Columbia County median.
The typical home in Dayton was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 10 points above Columbia County's 57%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dayton is 82% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Dayton, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Dayton are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Dayton are primarily heated with electricity.
FEMA rates Columbia County's overall risk as Very Low, led by wildfire (Relatively Low). Columbia County had 41 active NFIP flood policies as of September 2026. See the full Columbia 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 Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $243,600 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Columbia County | 41 |
| Home insurance premium | $1,232 - 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)