Home Insurance in Virginia Gardens, Florida
The median home value in Virginia Gardens is $457,600, close to the Miami-Dade County median.
The typical home in Virginia Gardens was built around 1960. About 52% of homes were built before 1960, about 31 points above Miami-Dade County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Virginia Gardens, the housing stock is 59% single-family homes and 33% apartments in buildings with 5+ units.
In Virginia Gardens, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Virginia Gardens has an owner-occupancy rate of 56% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Virginia Gardens, 83% of homes are primarily heated with electricity.
Miami-Dade County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Miami-Dade County had 355,123 active NFIP flood policies as of September 2026. See the full Miami-Dade County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $457,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Miami-Dade County | 355,123 |
| Home insurance premium | $2,779 - 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)