Home Insurance in Augusta County, Virginia
With a median home value of $306,100, Augusta County is 20% lower than the Virginia median.
The typical home in Augusta County was built around 1989. About 17% of homes were built before 1960, about 2 points below Virginia's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Augusta County, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Augusta County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Augusta County has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Augusta County - 53% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Augusta County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and hurricane (Relatively Low).
Augusta County had 203 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $306,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 203 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
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)