Home Insurance in Alberta, Virginia
With a median home value of $91,800, Alberta is 36% lower than the Brunswick County median.
The typical home in Alberta was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 32 points above Brunswick County's 27%.
In Alberta, the housing stock is 83% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
40% of owner-occupied homes in Alberta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Alberta are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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. Most homes in Alberta - 72% - are primarily heated with electricity.
Brunswick County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Brunswick County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $91,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Brunswick County | 15 |
| 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)