Home Insurance in Bristol, Virginia
The median home value in Bristol is $184,100, close to the Bristol city median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bristol was built around 1967. About 38% of homes were built before 1960, in line with Bristol city (38%).
Housing in Bristol breaks down to 71% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in Bristol have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bristol has an owner-occupancy rate of 64% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Bristol, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bristol? FEMA's National Risk Index points to earthquake (Relatively Low) in Bristol city and Bristol city had 35 active NFIP flood policies as of September 2026. See the full Bristol city home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $184,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Bristol city | 35 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)