Home Insurance in Arlington County, Virginia
Homes in Arlington County carry a median value of $895,000 - 133% higher than the Virginia median.
The typical home in Arlington County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 14 points above Virginia's 19%.
In Arlington County, the housing stock is 34% single-family homes and 61% apartments in buildings with 5+ units.
In Arlington County, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arlington County has an owner-occupancy rate of 41% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
51% of homes in Arlington County are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Arlington County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Arlington County has 1,375 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Virginia carries a statewide average premium of $1,537 per year.
Key figures
| Median home value | $895,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 1,375 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Sources
- 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)