Home Insurance in Accomack County, Virginia
The median home value in Accomack County is $204,300, 47% lower than the Virginia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Accomack County was built around 1982. About 28% of homes were built before 1960, about 9 points above Virginia's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Accomack County is 77% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
43% of owner-occupied homes in Accomack County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Accomack County are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Accomack County - 63% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Accomack County, per FEMA's National Risk Index, are coastal flooding (Very High), hurricane (Relatively High) and wildfire (Relatively Low).
As of September 2026, Accomack County has 2,847 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Virginia carries a statewide average premium of $1,537 per year.
Key figures
| Median home value | $204,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Coastal Flooding (Very High), Hurricane (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 2,847 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
- Accomac
- Belle Haven
- Bloxom
- Chincoteague
- Hallwood
- Keller
- Melfa
- Onancock
- Onley
- Painter
- Parksley
- Saxis
- Tangier
- Wachapreague
Sources
- 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)