Home Insurance in Keller, Virginia
The median home in Keller was built in 1939 or earlier. About 81% of homes were built before 1960, about 53 points above Accomack County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Keller, the housing stock is 100% single-family homes.
About 7% of owner-occupied homes in Keller have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 50% of occupied homes in Keller are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Keller - 61% - 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.
FEMA rates Accomack County's overall risk as Relatively Moderate, led by coastal flooding (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 7% |
| 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)