Home Insurance in Bland County, Virginia
Homes in Bland County carry a median value of $152,100 - 60% lower than the Virginia median.
The typical home in Bland County was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 5 points above Virginia's 19%.
In Bland County, the housing stock is 69% single-family homes, 1% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Bland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bland County has an owner-occupancy rate of 86% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Bland County, 76% of homes are primarily heated with electricity. Homes heated with 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, Bland County's top hazards are hurricane (Very Low), inland flooding (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Bland County has 40 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $152,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Inland Flooding (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 40 |
| 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)