Home Insurance in Bristol city, Virginia
Homes in Bristol city carry a median value of $184,100 - 52% lower than the Virginia median.
The typical home in Bristol city was built around 1967. About 38% of homes were built before 1960, about 18 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 Bristol city is 71% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Bristol city carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Bristol city are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bristol city, 73% of homes are primarily heated with electricity.
The top hazards for Bristol city, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Low) and hurricane (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bristol city has 35 active NFIP flood policies on file.
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 | $184,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 35 |
| 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)