Home Insurance in Bath County, Virginia
Homes in Bath County carry a median value of $206,700 - 46% lower than the Virginia median.
The typical home in Bath County was built around 1977. About 36% of homes were built before 1960, about 17 points above Virginia's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Bath County is 84% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bath County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Bath County are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bath County - 59% - 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.
FEMA's National Risk Index lists hurricane (Very Low), earthquake (Very Low) and wildfire (Very Low) as the leading hazards for Bath County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bath County had 22 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.
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 | $206,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Earthquake (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 22 |
| 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)