Home Insurance in Scottsville, Virginia
With a median home value of $309,600, Scottsville is 38% lower than the Albemarle County median.
The median home in Scottsville was built in 1939 or earlier. About 72% of homes were built before 1960, about 62 points above Albemarle County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scottsville is 64% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Scottsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Scottsville are owner-occupied.
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 Scottsville - 73% - are primarily heated with electricity.
What's the biggest home insurance risk near Scottsville? FEMA's National Risk Index points to strong wind (Relatively High) in Albemarle County and Albemarle County had 304 active NFIP flood policies as of September 2026. See the full Albemarle County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $309,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Albemarle County | 304 |
| 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)