Home Insurance in Saxis, Virginia
Homes in Saxis carry a median value of $98,400 - 52% lower than the Accomack County median.
The typical home in Saxis was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 25 points above Accomack County's 28%.
Housing in Saxis breaks down to 99% single-family homes and 1% mobile or manufactured homes.
52% of owner-occupied homes in Saxis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Saxis are owner-occupied. The vacancy rate is 54%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Saxis, 45% of homes are primarily heated with electricity.
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.
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 | $98,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)