Home Insurance in Tangier, Virginia
The median home value in Tangier is $157,900, 23% lower than the Accomack County median.
The typical home in Tangier was built around 1978. About 31% of homes were built before 1960, about 3 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 Tangier, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Tangier carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Tangier are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tangier, 65% of homes are primarily heated with electricity.
Accomack County had 2,847 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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 home value | $157,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)