Home Insurance in Lawrenceville, Virginia
With a median home value of $126,700, Lawrenceville is 11% lower than the Brunswick County median.
The typical home in Lawrenceville was built around 1955. About 56% of homes were built before 1960, about 29 points above Brunswick County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lawrenceville, the housing stock is 58% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lawrenceville, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lawrenceville has an owner-occupancy rate of 35% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lawrenceville - 73% - 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.
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 | $126,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)