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Home Insurance in Dayton, TX
See where Dayton stands against county and statewide figures before you compare home insurance quotes.
$6,682/yr
About $557/mo · ~$300k-$400k dwelling class
$3,876/yr
About $323/mo after modeled shopping discount
About 42% below local market estimate
How Dayton homes compare
| Measure | Dayton | Liberty County | Texas |
|---|---|---|---|
| Median home value | $227,600 | $181,700 | $283,800 |
| Median year built | 2000 | 1996 | 1992 |
| Owner-occupied homes | 66% | 82% | 63% |
| Single-family detached | 69% | 58% | 64% |
| Built before 1980 | 24% | 28% | 33% |
| Built 2000 or later | 51% | 43% | 39% |
| Manufactured homes | 7% | 33% | 6% |
By median build year, Dayton (2000) and Liberty County (1996) are similar. 66% of occupied homes are owner-occupied in Dayton, below the Liberty County share of 82%. Manufactured homes are less common in Dayton (7% of units) than across Liberty County (33%).
Homeowners in Dayton report a median value of $227,600. The Liberty County figure is lower, at $181,700. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Liberty County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 13 hail reports |
| Tornadoes | Relatively High | 6 tornadoes |
| Strong wind | Relatively Low | 18 thunderstorm wind reports |
| Inland flooding | Relatively Low | 13 flash floods |
| Hurricanes | Relatively Moderate | – |
| Coastal flooding | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
The National Risk Index from FEMA scores Liberty County as relatively low for combined natural-hazard risk. Among individual perils, the top ratings go to lightning (very high), tornadoes (relatively high) and hurricanes (relatively moderate).
Counting from 2000, 15 major disaster declarations for natural hazards have included Liberty County. The most recent include Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Turning the Dayton numbers into coverage choices
- TWIA does not write in Liberty County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in January 2018. Flood coverage is far from universal: 1,918 residential NFIP policies in Liberty County, or about 1 per 17 homes. Since 2016, 1,272 NFIP flood claims have come from Liberty County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- According to the Census Bureau, the typical home in Dayton went up around 2000. Homes built before 1980 make up about 24% of the total; those built since 2000 account for 51%. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
Contacts for Dayton homeowners
Insurers often check the appraisal district record, so confirm that what the Liberty district shows at www.libertycad.com matches your home. Its office is at 2030 Sam Houston Liberty, TX 77575-4818. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Dayton. The associated NEXRAD radar is KHGX.
Dayton is in Liberty County. Liberty County counts as an outlying county of the Houston-Pasadena-The Woodlands metro area. By straight-line distance, Dayton is about 17 miles north of Baytown.
Dayton coverage questions
Which weather risks matter for insuring a home in Dayton?
FEMA’s National Risk Index rates overall risk in Liberty County as relatively low. The highest individual ratings are for lightning (very high), tornadoes (relatively high) and hurricanes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
How much dwelling coverage do Dayton homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Dayton median at $227,600, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Do I need a local agent for a Dayton home?
No. Dayton is about 17 miles north of Baytown, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How often has Liberty County had federal disaster declarations?
Since 2000, FEMA has declared 15 natural-hazard major disasters that include Liberty County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Request a Dayton homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA NFIP data, Liberty County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Texas Windstorm Insurance Association
- Community Status Book (NFIP)
- Comptroller CAD listing, Liberty County
- NWS Houston/Galveston, TX
- American Community Survey 2020–2024, Dayton city: tenure, structure type, home value, population, year built, median year built
- FEMA declared disasters, Liberty County
- Comparison figures: Liberty County value, Liberty County build year, Texas value
- Storm Events Database (NOAA), Liberty County
- National Risk Index (FEMA), Liberty County
- Comptroller economic regions