Home Insurance in Belle Haven, Virginia
The median home value in Belle Haven is $183,000, 10% lower than the Accomack County median.
The typical home in Belle Haven was built around 1959. About 51% of homes were built before 1960, about 23 points above Accomack County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Belle Haven, the housing stock is 92% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Belle Haven, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Belle Haven has an owner-occupancy rate of 62% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Belle Haven - 69% - are primarily heated with electricity.
Accomack County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. Accomack County had 2,847 active NFIP flood policies as of September 2026. See the full Accomack County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,537 per year (NAIC, 2023 data).
Key figures
| Median home value | $183,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Accomack County | 2,847 |
| Home insurance premium | $1,537 - 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)