Dayton is a southwestern city in Ohio. It is also the largest city and county seat of Montgomery County. As of 2000, it has an estimated population of 166,179. Dayton is a part of the Dayton Metropolitan Statistical Area, which is made up by Montgomery, Miami, Greene and Preble Counties.
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As of the 2000 census, there were 37,416 families and 67,409 households in the city. Health and life insurance rely heavily on what demographics are present in the city. Of those households, roughly 27% had underage children, and 30% were married couples. Roughly 37% of all households were individuals. The average family size was 3.04, and the average household size was 2.30. The racial breakdown of the city is: more than majority Caucasian, then African America, Hispanic/Latino, Asian American, Native American, and Pacific Islander. There were also several other races.
Auto and home insurance rely on road conditions and crime rates. There are several transportation options in Dayton. Public bus routes are operated by the Greater Dayton Regional Transit Authority, who also operate several electric trolley bus routes. There are two interstates that intersect just north of the city: Interstate 75 and Interstate 70. Route 4 intersects Interstate 75, and is known as Malfunction Junction due to heavy traffic and high accident rates. A multi-year project is currently underway to fix up the downtown section of Interstate 75, which will be completed in 2011. US 35 also passes through downtown Dayton.
Public safety has been improving heavily in Dayton since 2003. According to FBI Uniform Crime Reports and Dayton Police Department data, crime has been declining in key categories such as violent crimes (robbery, rape, aggravated assault, and homicide).
Climate and weather also have a big influence on home insurance. The area generally has a humid continental climate. Dayton experiences muggy, hot summers and dry, cold winters. Floods, blizzards, and severe thunderstorms are possible, while tornadoes are more probable due to the typical Midwestern United States weather.